Strategic Credit Risk Governance Specialist

2 weeks ago


Cheadle Hulme, Stockport, United Kingdom Together Full time

Company Overview

Together is a leading property finance expert with a strong 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 to achieve their property ambitions.

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 in turning challenges into opportunities.

Job Summary

As a Senior Credit Risk Manager, you will report to the Head of Credit & Portfolio Risk. Your key responsibilities will include developing and adhering to credit risk standards and policies, overseeing credit-related controls, and identifying and implementing policy, process, and operational changes related to credit risk management.

Key Responsibilities

  • Develop and maintain credit risk standards and policies, ensuring they are aligned with regulatory requirements and the company's risk appetite.
  • Oversee the first line of defence's policy adherence framework, utilising existing processes and data sources to identify areas for improvement.
  • Collaborate closely with policy owners and operational stakeholders to proactively identify areas of change required to support the effective delivery of the operating plan.
  • Own the policy adherence reporting and ad-hoc analysis, providing timely and accurate monthly and quarterly reports and updates.
  • Work closely with the first line of defence operational teams on strategic process change and the identification of opportunities for improving customer outcomes.

Requirements

  • Strong communication skills, both verbal and written.
  • Experience within a credit granting environment.
  • People management experience.
  • Experience of being part of change initiatives and projects.
  • Experience of working with influencing and senior stakeholders.

What We Offer

  • 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.
  • Local bar and restaurant discounts.

Together embraces diversity and inclusion, and we are proud to be an equal opportunity workplace. We welcome colleagues from all backgrounds and experiences and value their perspectives and skills.



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