Senior Risk Management Specialist
3 days ago
Senior Risk Management Specialist - £70,000 - £80,000 per annum
About Together Financial Services Limited
We are a leading property finance expert with an entrepreneurial spirit. Based in South Manchester, we have been established since 1974 and have built a team of over 750 colleagues who are passionate about supporting individuals and businesses achieve their property ambitions by making finance work for them.
We pride ourselves on our common-sense approach to lending and offer a range of mortgage and secured loan products to individuals and businesses who are typically underserved by mainstream lenders. Our customers are central to everything we do, and we work hard to support them to turn challenges into opportunities which make our customers' property ambitions a reality.
About the Role
As a Senior Risk Management Specialist, you will be responsible for overseeing second-line management of credit risk for the group. You will have three direct reports and own and lead the development of credit risk policies and related standards as well as provide oversight and assurance to the Executive and Board that credit risk is being managed within risk appetite.
You will also develop and provide data and reporting to support insight across the Group Risk Function and be the expert on scorecard modelling and automation for the Transformation programme across the group.
Key responsibilities include:
- Oversee, challenge and assure 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
- Use knowledge of industry and macroeconomic environment to identify emerging credit risks for the business and develop forecasting models
- Set, via the Board, credit risk appetites; identifying and managing portfolio level credit risks, key exposures and concentration risks
Requirements
The ideal candidate will have strong understanding of risk management principles across the credit lifecycle, credit analysis and policies. They should also have experience of implementing, scoring and advanced data and analytical techniques throughout the customer journey.
A good track record of experience in secured lending, particularly specialist mortgage lending, is essential, as well as experience of managing and developing high-performance teams.
Influential communication skills are required, particularly at Board level.
Benefits
Together Financial Services Limited offers a comprehensive benefits package, including 26 days holiday (increasing with service to 30 days), plus bank holidays, buy and sell holidays, 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 and local bar/restaurant discounts.
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