Credit Risk Director

2 days ago

Manchester, United Kingdom DF Capital Bank Limited Full time
Job Title: Credit Risk Director

We are seeking an experienced Credit Risk Director to join our team at DF Capital Bank Limited. This is a critical role that requires expertise in credit risk management, governance, and regulatory compliance.

The estimated salary for this position is around £150,000 - £180,000 per annum, depending on experience.

Job Description:

This role will involve leading the credit risk oversight function, overseeing the ongoing assessment of our lending standards and portfolio management, and ensuring that our credit risk appetite is aligned with business and risk strategic objectives.

You will work closely with our front-line credit team to ensure that credit risk is appropriately managed and evaluated. You will also be responsible for reviewing large, complex, or high-risk transactions and ensuring that credit risk is managed effectively.

Key Responsibilities:

  • Leading the credit risk oversight function and overseeing the ongoing assessment of lending standards and portfolio management.
  • Ensuring that credit risk appetite is aligned with business and risk strategic objectives.
  • Reviewing large, complex, or high-risk transactions and ensuring credit risk is managed effectively.
  • Working closely with the front-line credit team to ensure that credit risk is appropriately managed and evaluated.
  • Overseeing the Retail Asset Finance portfolio and developing arrears performance models.

Requirements:

  • Strong financial services background with in-depth knowledge of the UK SME / Commercial credit industry.
  • Demonstrable knowledge of FCA and PRA regulation and principles for credit risk coupled with an internal control mindset.
  • The ability to present to Executive and Board level committees and build effective relationships with both internal and external stakeholders.
  • Proven ability to negotiate and influence at a senior level.
  • Self-motivated with ability to deliver on business-critical projects.

Benefits:

  • Competitive salary (£150,000 - £180,000 p.a.)
  • Private medical insurance for you and your family
  • 10% Employer pension contribution
  • Life Assurance
  • Income Protection
  • 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
  • 4 days paid Volunteering
  • Tax efficient salary sacrifice schemes to obtain bicycle and electric vehicles

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