Portfolio Credit Risk Manager

6 days ago

Wolverhampton, Wolverhampton, United Kingdom OSB Group Full time
About the Role

We are seeking a highly skilled Portfolio Credit Risk Manager to join our Risk function at OSB Group. As a key member of our team, you will be responsible for creating and updating credit risk reporting, portfolio deep dives, segmentation performance reviews, and strategy review.

As a Portfolio Credit Risk Manager, you will carry out regular analysis to support decision-making and policy development across the Underwriting, Collections, and Recoveries teams. This role includes line management responsibility for at least one Credit Risk Analyst.

About the Team

You will be part of a dynamic team that is passionate about our products and customers. We are committed to building a collaborative and engaging environment, and we encourage differences and recognize that individuals from diverse backgrounds and experiences can bring valuable insights and enhance the way we work.

Key Responsibilities
  • Updating Senior Management and the Credit Risk Committee with key MI on monthly trends and key performance indicators
  • Periodic running of critical data processes and the associated control landscape, ensuring compliance to appropriate governance and frameworks
  • Undertaking Credit Risk Analytical projects, covering the entire Credit Risk Lifecycle and all products and brands, to support the immediate team, wider risk function, and other stakeholders
  • Ownership for the Group's affordability underwriting tools and valuation indexing procedures, ensuring BAU and ad-hoc updates are completed while remaining compliant with the end-user computing policy
  • Completion of Regulatory Data requests, ensuring outputs are reconciled/validated against existing reporting
  • Support Level 2 & 3 Risk Appetite settings and Early Warning Indicators across the Group
  • Identifying areas for analytical deep dive, defining scope of work, and proposing opportunities through insights
What We Offer

We offer a competitive benefits package, including a discretionary annual bonus opportunity of up to 15%, 28 days annual leave plus bank holidays, contributory pension, life assurance, and access to private medical insurance and medical cash plan.

We are committed to diversity and inclusion, and we encourage applications from talented individuals who have the experience and knowledge set out below:

  • Advanced SAS/SQL and Excel/VBA skills are essential for producing and managing MI reports, including in-depth analysis and deep dives into any trends.
  • Mathematical-related qualification or equivalent work experience.
  • Previous experience in a Retail/Consumer Finance Credit Risk Function with specialist knowledge of the credit risk lifecycle.
  • Experience within Financial Services and an in-depth understanding of credit risk analytical techniques.
  • Strong stakeholder management and communication skills, with the ability to disseminate information.
  • Understanding of mortgage lending would be desirable.
  • Previous line management/coaching experience would be desirable.
How to Apply

If you are a motivated and experienced professional looking for a new challenge, please apply now. We look forward to hearing from you.

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