Financial Risk Expert

4 days ago

Portsmouth, Portsmouth, United Kingdom Toyota Financial Services, KINTO and KINTO JOIN Full time
Job Overview

We are seeking an experienced Financial Risk Expert to join our team at Toyota Financial Services, KINTO, and KINTO UK. The successful candidate will lead efforts to reduce delinquency rates and strengthen credit risk management.

This is a unique opportunity to build sustainable systems and processes that drive business results. As a key member of our team, you will work closely with internal and external stakeholders to review and refine underwriting processes, scorecard validation, and portfolio risk assessments.

Key Responsibilities
  • Delinquency Management: Recomment actions to reduce delinquency ratios in line with company/group targets
  • Underwriting & Score Management: Collaborate with internal and external stakeholders to review and refine underwriting processes, scorecard validation, and portfolio risk assessments
  • Portfolio Monitoring & Reporting: Improve monitoring systems to track key credit risk KPIs, delinquency rates, and customer segmentation, ensuring regular reporting
  • ECL Model Adjustments: Oversee ECL model development and ensure proper recalibration of EAD and LGD parameters based on delinquency and write-off data
  • Governance & Policy Development: Drive the establishment of credit risk policies, including the risk appetite strategy, write-off policy, and delinquency process guidelines
  • Collection strategies: Provide input and advise on collection strategies to improve the team's performance
About the Role

This role requires strong leadership skills, analytical thinking, problem-solving abilities, and excellent communication skills. You will have the opportunity to shape key credit risk policies and governance frameworks, making a significant impact on the financial health of the business.

You will also have the chance to take ownership of long-term improvements in the credit risk framework by building more sophisticated tools and systems for monitoring, reporting, and forecasting credit risk.

What You Will Gain
  • Exposure to high-level credit risk management and delinquency reduction strategies
  • Expertise in developing and refining ECL models, portfolio monitoring tools, and underwriting processes
  • Leadership experience in shaping key credit risk policies and governance frameworks
Requirements

To be successful in this role, you will need:

  • At least 5-8 years experience in credit risk management in a leasing or financial services company, regulated background preferred
  • Recruitment Leadership: Experience in recruiting and leading high-performance teams in a credit risk environment
  • Model Management: Proficiency in managing and adjusting models such as ECL based on credit data
  • Underwriting & Score Management: Strong knowledge of underwriting criteria and scorecard management
Benefits
  • Competitive starting salary (£60,000 - £80,000 per annum)
  • Bonus earning potential
  • 25 days holiday + 8 days bank holiday
  • Great pension scheme starting at employee (EE) contribution of 4% with an employer (ER) contribution of 11%
  • Company Car Scheme following passing of probation
  • Private Medical Cover
  • Life assurance scheme
  • Discounts on different retailers
  • Wellbeing hour each month
  • Discounts on Toyota & Lexus cars
  • Volunteer Days
  • Wellbeing events
  • Employee assistance programmes
  • Free fruit in the office
  • Free onsite car parking
  • Working Hours 37.5 per week Monday - Friday
  • Hybrid working policy 2 days from home each week should you want to
About Us

KINTO UK is an equal opportunities employer. We welcome applications from anyone who is excited by the opportunity of joining us and will thoroughly consider all applications without attention to ethnicity, religion, sexual orientation, gender, identity, family or parental status, national origin, veteran, neurodiversity status or disability status.

We are Disability Confident Employer, which means we have made commitments to change our ways of working so that everyone has the chance to succeed. We are happy to adjust our recruitment process to meet your accessibility needs.

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