Risk Management Leader

4 weeks ago


Cheadle, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full time
Job Title: Head of Credit Risk

Estimated Salary: £90,000 - £110,000 per annum (dependent on experience)

We are a market-leading property finance expert with an entrepreneurial spirit. Our team of over 750 colleagues is 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 turn challenges into opportunities that make our customers' property ambitions a reality.

Job Description

The successful candidate will be responsible for the second-line management of credit risk for the group. They 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.

This role also involves developing and providing data and reporting to support insight across the Group Risk Function. The ideal candidate will be an expert in scorecard modelling and automation for 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
  • Use industry knowledge 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
Required Skills and Qualifications

Essential skills and qualifications include:

  • 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 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
  • Confidential and influential communicator to Board Level

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