Head of Credit Risk
3 months ago
Company Description
We’re Together – the market leading property finance experts with an entrepreneurial spirit. Based in Cheadle, South Manchester, we’ve been established since in 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.
We’re looking for great people from all backgrounds and experiences who love working together and putting our customers at the heart of everything we do – and that starts with our brilliantly different team of people.
Job Description
As a Head of Credit Risk , you will be responsible for the second line management of credit risk for the group. You will have 3 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.
As a Head of Credit Risk , we are looking for someone to:
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 your knowledge of the industry and the 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.
Qualifications
Essential
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
Additional Information
Benefits working at Together
26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays Buy & 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 / restaurant discountsTogether Money embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
We care that you have a great experience with us at Together, if you need us to make any reasonable adjustments to make your experience easier, please let us know and we’ll do all we can.
Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.
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