Senior Mortgage Credit Risk Specialist

4 days ago


Cheadle Hulme, Stockport, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full time
Role Overview
Together Financial Services Limited is seeking a seasoned professional to fill the role of Head of Credit Risk. As a key member of the management team, you will be responsible for overseeing the second-line management of credit risk across the group.

Job Description
The successful candidate will have 3 direct reports and will own and lead the development of credit risk policies and related standards. This includes providing oversight and assurance to the Executive and Board that credit risk is being managed within risk appetite. Additionally, you will develop and provide data and reporting to support insight across the Group Risk Function. Your expertise in scorecard modelling and automation will also be utilized to drive the Transformation programme across the group.

Key Responsibilities
- Oversee, challenge, and assure the first-line credit risk management and reporting for credit risk across all products
- Own and develop credit risk policies and related standards for all group lending products, ensuring appropriate governance of changes and evidence of key controls
- Produce credit risk profiles for Exec and Board risk committees, working with first-line to ensure all material credit risks have been identified and mitigation actions have been defined and progressed

Requirements
- Strong understanding of risk management principles across the credit lifecycle, credit analysis, and policies
- Experience of implementing, scoring, and advanced data and analytical techniques throughout the customer journey
- Experience of secured lending, particularly specialist mortgage lending
- Experience of managing and developing high-performance teams

Benefits
- Competitive salary: £80,000 - £100,000 per annum
- 26 days holiday, increasing to 30 days with service
- Discretionary annual bonus
- Matched pension contribution
- Life assurance
- Critical illness cover
- Health cash plan
- Private medical insurance
- Free access to company holiday homes
- Travel season ticket loans
- Ride to work scheme
- Free local gym access
- Local bar/restaurant discounts

About Us
Together Financial Services Limited is an equal opportunities employer committed to building a diverse team that represents various backgrounds, perspectives, and skills.

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