Credit Risk Specialist

2 weeks ago

Chester, Cheshire, United Kingdom Lloyds Banking Group Full time
Job Title: Credit Officer - Embedded Finance

Job Summary:

We are seeking a highly skilled Credit Officer to join our team in the Consumer Credit Risk department. As a Credit Officer, you will be responsible for designing, implementing, and overseeing credit risk strategies for our Unsecured products space, with a focus on Embedded Finance.

Key Responsibilities:

  • Conceptualize and produce data-based credit analytics to assist in controlling portfolio risk and associated credit strategies.
  • Deliver deep-dive analyses to identify trends and work with cross-functional teams to create opportunities for improvement.
  • Provide credit risk input into new product launches, regulatory topics, business requirements, and risk transformation activity.
  • Develop and implement credit risk strategies for a new Embedded Finance product, including underwriting and credit line assignment.
  • Monitor portfolio performance and conduct deep-dive analyses to identify trends and opportunities for improvement.
  • Collaborate with product, engineering, and finance teams to design and implement new products and features that balance risk and growth.
  • Provide coaching and mentorship to junior members within the immediate and wider team to drive performance and development.

Requirements:

  • Analytical expertise – confidence in using Microsoft Office and understanding of using analytical software, such as SAS or SQL, to deliver insight.
  • Credit Risk – experience managing credit risk using automated strategies and scorecards and the financial knowledge of risk vs. reward and managing within risk appetite.
  • Work effectively through change – an ability to initiate and enable change that helps improve the way we do things.
  • Responsible lending – understanding regulatory compliance and conduct risk for fair customer outcomes.
  • Collaboration - building effective partnerships and working collaboratively with a wide range of partners to meet shared objectives.

What We Offer:

  • A generous pension contribution of up to 15%.
  • An annual discretionary performance-related bonus.
  • Share schemes including free shares.
  • Benefits you can adapt to your lifestyle, such as discounted shopping.
  • 30 days' holiday, with bank holidays on top.
  • A range of wellbeing initiatives and generous parental leave policies.

About Us:

Lloyds Banking Group is committed to building a workforce which reflects the diversity of the customers and communities we serve, and to building an inclusive environment where all our colleagues can be themselves and succeed on merit. We're an equal opportunity employer and deeply value diversity within our organisation.

  • Credit Risk Specialist

    3 weeks ago

    Chester, Cheshire, United Kingdom Lloyds Bank plc Full time

    Embedded Finance Credit Risk SpecialistLocation: Flexible, with options for Chester, Cardiff, or HalifaxWorking Pattern: Full-time, with flexible hybrid working arrangementsWe're seeking a skilled Credit Risk Specialist to join our Consumer Credit Risk team, focusing on Embedded Finance. As a key member of our team, you'll contribute to the design,...

  • Credit Risk Specialist

    3 weeks ago

    Chester, Cheshire, United Kingdom Lloyds Bank plc Full time

    Embedded Finance Credit Risk SpecialistLocation: Flexible, with options for Chester, Cardiff, or HalifaxWorking Pattern: Full-time, with flexible hybrid working arrangementsWe're seeking a skilled Credit Risk Specialist to join our Consumer Credit Risk team, focusing on Embedded Finance. As a key member of our team, you'll contribute to the design,...

  • Credit Risk Specialist

    2 weeks ago

    Chester, Cheshire, United Kingdom Lloyds Banking Group Full time

    Job Summary:We are seeking a skilled Credit Risk Specialist to join our team as a Credit Officer within the Unsecured products space with a focus on a new Embedded Finance product. As a key member of our Consumer Credit Risk team, you will be responsible for designing, implementing, and overseeing credit risk strategies, as well as delivering portfolio...

  • Credit Risk Specialist

    3 weeks ago

    Chester, Cheshire, United Kingdom Lloyds Banking Group Full time

    About the RoleWe are seeking a skilled Credit Risk Specialist to join our team at Lloyds Banking Group. As a key member of our Credit Risk team, you will play a critical role in maintaining a resilient portfolio through sustainable lending, delivering the best outcomes for customers and partners.Key ResponsibilitiesProvide credit risk input into new product...

  • Credit Risk Specialist

    3 weeks ago

    Chester, Cheshire, United Kingdom Lloyds Banking Group Full time

    About the RoleWe are seeking a skilled Credit Risk Specialist to join our team at Lloyds Banking Group. As a key member of our Credit Risk team, you will play a critical role in maintaining a resilient portfolio through sustainable lending, delivering the best outcomes for customers and partners.Key ResponsibilitiesProvide credit risk input into new product...

  • Credit Risk Specialist

    3 weeks ago

    Chester, Cheshire, United Kingdom Lloyds Banking Group Full time

    Job Title: Credit Officer - Embedded FinanceJob Summary:We are seeking a highly skilled Credit Officer to join our team in the Consumer Credit Risk department. As a Credit Officer, you will be responsible for designing, implementing, and overseeing credit risk strategies for our Unsecured products space, with a focus on Embedded Finance.Key...

  • Credit Risk Specialist

    3 weeks ago

    Chester, Cheshire, United Kingdom Lloyds Banking Group Full time

    Job Title: Credit Officer - Embedded FinanceJob Summary:We are seeking a highly skilled Credit Officer to join our team in the Consumer Credit Risk department. As a Credit Officer, you will be responsible for designing, implementing, and overseeing credit risk strategies for our Unsecured products space, with a focus on Embedded Finance.Key...

  • Credit Risk Specialist

    2 weeks ago

    Chester, Cheshire, United Kingdom Lloyds Bank plc Full time

    Embedded Finance Credit OfficerLocation: FlexibleWorking Pattern: Full time, Hybrid WorkingWe are seeking a skilled Credit Officer to join our Consumer Credit Risk team, focusing on Embedded Finance products. As a key member of the team, you will contribute to the design, implementation, and oversight of credit risk strategies, ensuring portfolio performance...

  • Head of Credit and Commercial Risk

    3 weeks ago

    Chester, Cheshire, United Kingdom Cox Automotive Full time

    Lead Credit and Risk Strategy at Cox AutomotiveWe're seeking a seasoned Head of Credit and Commercial Risk to drive business growth through strategic leadership in credit underwriting, pricing, market intelligence, and risk management.Key Responsibilities:Develop and operationalize credit strategies, leading the credit teams to achieve business...

  • Head of Credit and Commercial Risk

    3 weeks ago

    Chester, Cheshire, United Kingdom Cox Automotive Full time

    Lead Credit and Risk Strategy at Cox AutomotiveWe're seeking a seasoned Head of Credit and Commercial Risk to drive business growth through strategic leadership in credit underwriting, pricing, market intelligence, and risk management.Key Responsibilities:Develop and operationalize credit strategies, leading the credit teams to achieve business...

  • Head of Credit and Commercial Risk

    2 weeks ago

    Chester, Cheshire, United Kingdom Cox Automotive Full time

    Lead Credit and Risk Strategy at Cox AutomotiveWe're seeking a seasoned Head of Credit and Commercial Risk to drive business growth through strategic leadership in credit underwriting, pricing, market intelligence, and risk management.Key Responsibilities:Develop and operationalize credit strategies, leading the credit teams to achieve business...

  • Head of Credit and Commercial Risk

    2 weeks ago

    Chester, Cheshire, United Kingdom Cox Automotive Full time

    Lead Credit and Risk Strategy at Cox AutomotiveWe're seeking a seasoned Head of Credit and Commercial Risk to drive business growth through strategic leadership in credit underwriting, pricing, market intelligence, and risk management.Key Responsibilities:Develop and operationalize credit strategies, leading the credit teams to achieve business...

  • Senior Credit and Commercial Risk Manager

    5 days ago

    Chester, Cheshire, United Kingdom Cox Automotive Full time

    Job Title: Head of Credit and Commercial RiskAbout the Role:We are seeking a highly skilled and experienced Head of Credit and Commercial Risk to join our senior management team at NextGear Capital. As a key member of our leadership team, you will be responsible for driving business growth through leadership in credit underwriting, pricing strategy, market...

  • Senior Credit and Commercial Risk Manager

    1 week ago

    Chester, Cheshire, United Kingdom Cox Automotive Full time

    Lead Credit and Commercial Risk ExpertCox Automotive seeks a seasoned leader to drive business growth through strategic credit underwriting, pricing, and risk management.Key Responsibilities:Develop and operationalise credit strategies to drive business growth.Create competitive pricing strategies in collaboration with cross-functional teams.Monitor market...

  • Senior Credit and Commercial Risk Manager

    7 days ago

    Chester, Cheshire, United Kingdom Cox Automotive Full time

    Lead Credit and Risk StrategyChesterNextGear Capital, part of the Cox Automotive Group, is the UK's leading provider of tailored stocking plans. We offer innovative, cost-effective solutions to help dealers buy, manage, and sell stock.We're looking for a dynamic Senior Credit and Commercial Risk Manager to join our senior management team and drive business...

  • Credit and Collections Specialist

    1 month ago

    Chester, Cheshire, United Kingdom Watkin Jones PLC Full time

    Job Title: Credit and Collections ManagerAre you a seasoned finance professional with a passion for managing cash flow and building strong relationships with clients? We're looking for a highly organized and detail-oriented Credit and Collections Manager to join our dynamic team at Watkin Jones Group.About the Role:The Credit and Collections Manager will...

  • Credit and Collections Specialist

    1 month ago

    Chester, Cheshire, United Kingdom Watkin Jones PLC Full time

    Job Title: Credit and Collections ManagerAre you a seasoned finance professional with a passion for managing cash flow and building strong relationships with clients? We're looking for a highly organized and detail-oriented Credit and Collections Manager to join our dynamic team at Watkin Jones Group.About the Role:The Credit and Collections Manager will...

  • Credit and Collections Specialist

    1 month ago

    Chester, Cheshire, United Kingdom Watkin Jones PLC Full time

    Join Our Team as a Credit and Collections ManagerWe are seeking a highly skilled and experienced Credit and Collections Manager to join our dynamic finance team at Watkin Jones Group. As a key member of our team, you will play a crucial role in ensuring timely payments and minimizing discrepancies.About the RoleThe Credit and Collections Manager will be...

  • Credit and Collections Specialist

    1 month ago

    Chester, Cheshire, United Kingdom Watkin Jones PLC Full time

    Join Our Team as a Credit and Collections ManagerWe are seeking a highly skilled and experienced Credit and Collections Manager to join our dynamic finance team at Watkin Jones Group. As a key member of our team, you will play a crucial role in ensuring timely payments and minimizing discrepancies.About the RoleThe Credit and Collections Manager will be...

  • Credit Controller

    4 weeks ago

    Chester, Cheshire, United Kingdom Ernest Gordon Recruitment Full time

    Credit Controller OpportunityWe are seeking a skilled Credit Controller to join our team at Ernest Gordon Recruitment. As a Credit Controller, you will be responsible for managing the company's credit and collections activities.Key Responsibilities:Manage the company's credit and collections activitiesMonitor and analyze customer accounts to identify...