Senior Risk Management Specialist

3 weeks ago


Manchester, United Kingdom DF Capital Full time

At DF Capital, we are committed to delivering exceptional service to our customers while maintaining a strong risk management framework. As a leading provider of commercial finance and savings, we understand the importance of credit risk oversight in ensuring the long-term success of our business.

We are seeking an experienced Head of Credit Risk Oversight to join our team. This key role will be responsible for designing, developing, and implementing our credit risk management framework, including ongoing assessment of lending standards and portfolio management.

The ideal candidate will have a strong background in financial services, with experience in credit risk management within banking or the financial sector. They will also possess in-depth knowledge of FCA and PRA regulation and principles for credit risk, as well as an internal control's mindset.

This is an exciting opportunity to work with a talented team and contribute to the growth and development of our company. If you are a motivated and results-driven individual with a passion for risk management, we encourage you to apply.

Key Responsibilities:

  • Own the overall Credit Risk Appetite process in conjunction with the Chief Lending Officer (1st line role)
  • Formulate and lead the development of the bank's Credit Risk Management Framework
  • Deliver an effective credit oversight methodology, plan, and capability covering all aspects of credit risk management across the bank
  • Review large, complex, or high-risk transactions and Lending Policy exceptions
  • Oversee the Retail Asset Finance portfolio, including development of arrears and performance of models and scorecards developed by 1st line Head of Lending Decisioning

Requirements:

  • Strong financial services background
  • In-depth knowledge of the UK SME/Commercial credit industry and experience of credit risk management within banking/financial sector
  • Demonstrable knowledge of FCA and PRA regulation and principles for credit risk coupled with an internal control's mindset
  • The ability to present to Executive and Board level committees
  • Self-motivated with the ability to deliver on business-critical projects

Salary: £80,000 - £100,000 per annum, depending on experience

Benefits:

  • Competitive salary
  • Private medical insurance for you and your family
  • 10% Employer pension contribution
  • Life Assurance
  • 30-day annual leave entitlement (in addition to public holidays)
  • Discretionary bonus
  • Save As You Earn company share acquisition scheme
  • Gym Membership
  • Company social events
  • Tax efficient salary sacrifice schemes to obtain bicycle and electric vehicles


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