Head of Credit Risk

1 month ago

Cheadle, United Kingdom Together Full time
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 discounts

Together 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.

  • Head of Credit Risk

    1 month ago

    Cheadle, United Kingdom Together Full time

    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...

  • Head of Credit Risk Management

    1 week ago

    Cheadle, Staffordshire, United Kingdom Together Full time

    We're a leading property finance company with a strong entrepreneurial spirit. Based in the North West of England, we've 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 pragmatic...

  • Head of Credit Risk Management

    1 week ago

    Cheadle, Staffordshire, United Kingdom Together Full time

    We're a leading property finance company with a strong entrepreneurial spirit. Based in the North West of England, we've 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...

  • Head of Credit Risk Management

    2 days ago

    Cheadle, Staffordshire, United Kingdom Together Full time

    We're a leading property finance company with a strong entrepreneurial spirit. Based in the North West of England, we've 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...

  • Head of Credit Risk Management

    5 days ago

    Cheadle, Staffordshire, United Kingdom Together Full time

    About the RoleWe are seeking a highly skilled and experienced Head of Credit Risk to join our team at Together. As a key member of our leadership team, you will be responsible for the second line management of credit risk for the group.Key ResponsibilitiesOversee, challenge and assure the first line credit risk management and reporting for credit risk across...

  • Head of Credit Risk Management

    3 days ago

    Cheadle, Staffordshire, United Kingdom Together Full time

    About the RoleWe are seeking a highly skilled and experienced Head of Credit Risk to join our team at Together. As a key member of our leadership team, you will be responsible for the second line management of credit risk for the group.Key ResponsibilitiesOversee, challenge and assure the first line credit risk management and reporting for credit risk across...

  • Credit Risk Director

    3 days ago

    Cheadle, Staffordshire, United Kingdom Together Full time

    About the RoleWe are seeking a highly skilled and experienced Head of Credit Risk to join our team at Together. As a key member of our leadership team, you will be responsible for the second line management of credit risk for the group.Key ResponsibilitiesOversee, challenge and assure the first line credit risk management and reporting for credit risk across...

  • Credit Risk Director

    5 days ago

    Cheadle, Staffordshire, United Kingdom Together Full time

    About the RoleWe are seeking a highly skilled and experienced Head of Credit Risk to join our team at Together. As a key member of our leadership team, you will be responsible for the second line management of credit risk for the group.Key ResponsibilitiesOversee, challenge and assure the first line credit risk management and reporting for credit risk across...

  • Senior Credit Risk Officer

    3 days ago

    Cheadle, Staffordshire, United Kingdom Together Full time

    About the RoleWe are seeking a highly skilled and experienced Head of Credit Risk to join our team at Together. As a key member of our leadership team, you will be responsible for the second line management of credit risk for the group.Key ResponsibilitiesOversee, challenge and assure the first line credit risk management and reporting for credit risk across...

  • Senior Credit Risk Officer

    5 days ago

    Cheadle, Staffordshire, United Kingdom Together Full time

    About the RoleWe are seeking a highly skilled and experienced Head of Credit Risk to join our team at Together. As a key member of our leadership team, you will be responsible for the second line management of credit risk for the group.Key ResponsibilitiesOversee, challenge and assure the first line credit risk management and reporting for credit risk across...

  • Senior Credit Risk Manager

    4 days ago

    Cheadle, United Kingdom MERJE Full time

    Senior Credit Risk Manager (2LOD)- Greater Manchester- Up to £120K!A variety of soft skills and experience may be required for the following role Please ensure you check the overview below carefully.*5 days a week in the office*Sponsorship is available but MUST have UK experience within mortgagesAs a Senior Credit Risk Manager, you will be responsible for...

  • Senior Credit Risk Manager

    1 week ago

    Cheadle, United Kingdom MERJE Full time

    Senior Credit Risk Manager (2LOD)- Greater Manchester- Up to £120K! *5 days a week in the office* Sponsorship is available but MUST have UK experience within mortgages As a Senior Credit Risk Manager, you will be responsible for the second line management of credit risk for the business. Leading a team of two, you will develop credit risk policies and...

  • Senior Credit Risk Manager

    3 weeks ago

    Cheadle, United Kingdom MERJE Full time

    Senior Credit Risk Manager (2LOD)- Greater Manchester- Up to £120K!*5 days a week in the office*Sponsorship is available but MUST have UK experience within mortgagesAs a Senior Credit Risk Manager, you will be responsible for the second line management of credit risk for the business. Leading a team of two, you will develop credit risk policies and related...

  • Senior Credit Risk Manager

    3 weeks ago

    Cheadle, United Kingdom MERJE Full time

    Senior Credit Risk Manager (2LOD)- Greater Manchester- Up to £120K!*5 days a week in the office*Sponsorship is available but MUST have UK experience within mortgagesAs a Senior Credit Risk Manager, you will be responsible for the second line management of credit risk for the business. Leading a team of two, you will develop credit risk policies and related...

  • Senior Credit Risk Manager

    3 weeks ago

    Cheadle, United Kingdom MERJE Full time

    Senior Credit Risk Manager (2LOD)- Greater Manchester- Up to £120K!*5 days a week in the office*Sponsorship is available but MUST have UK experience within mortgagesAs a Senior Credit Risk Manager, you will be responsible for the second line management of credit risk for the business. Leading a team of two, you will develop credit risk policies and related...

  • Senior Credit Risk Manager

    21 hours ago

    Cheadle, United Kingdom MERJE Full time

    Senior Credit Risk Manager (2LOD)- Greater Manchester- Up to £120K!*5 days a week in the office*Sponsorship is available but MUST have UK experience within mortgagesIf you want to know about the requirements for this role, read on for all the relevant information.As a Senior Credit Risk Manager, you will be responsible for the second line management of...

  • Senior Credit Risk Manager

    3 days ago

    Cheadle, United Kingdom MERJE Full time

    Senior Credit Risk Manager (2LOD)- Greater Manchester- Up to £120K!*5 days a week in the office*Sponsorship is available but MUST have UK experience within mortgagesIf you want to know about the requirements for this role, read on for all the relevant information.As a Senior Credit Risk Manager, you will be responsible for the second line management of...

  • Lead Credit Risk Strategist

    3 weeks ago

    Cheadle, Staffordshire, United Kingdom Together Full time

    Company OverviewWe are a prominent property finance organization driven by a strong entrepreneurial ethos. With over forty years of experience, our team in South Manchester is dedicated to assisting individuals and businesses in achieving their property aspirations through customized financial solutions. Our focus on customer satisfaction distinguishes us in...

  • Lead Credit Risk Strategist

    3 weeks ago

    Cheadle, Staffordshire, United Kingdom Together Full time

    Company OverviewWe are a prominent property finance organization characterized by a robust entrepreneurial ethos. With a legacy spanning over forty years, our team in South Manchester is dedicated to assisting individuals and enterprises in realizing their property aspirations through customized financial solutions. Our commitment to customer satisfaction...

  • Senior Credit Risk Manager

    3 months ago

    Cheadle, United Kingdom Together Full time

    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...