Head of Credit Risk
4 months ago
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
4 months ago
Cheadle, United Kingdom Together Full timeCompany 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
4 weeks ago
Cheadle Hulme, Stockport, United Kingdom Together Full timeAbout the RoleWe are seeking a highly skilled and experienced Credit Risk professional to join our team as Head of Credit Risk. As a key member of our Risk Management function, 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...
-
Head of Trading Credit Risk
1 week ago
Cheadle, Greater Manchester, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full timeWe are Together -Proud to be a Financial Services success story based in South Manchester. A specialist lender offering a range of mortgage and secured loan products to individuals and businesses, who are typically underserved by mainstream lenders. We play our part to turn challenges into opportunities which make our customers' financial ambitions...
-
Head of Credit Risk 6 month contract
7 days ago
Cheadle, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full timeCompany DescriptionWe're Together-themarket leading property finance experts with an entrepreneurial spirit.Basedin 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...
-
Credit Risk Expert Lead
1 week ago
Cheadle Hulme, Stockport, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full timeHead of Credit RiskWe are seeking a seasoned professional to take on the role of Head of Credit Risk at Together Financial Services Limited. About UsWe are a market-leading property finance expert with an entrepreneurial spirit. Based in South Manchester, we have been established since 1974 and have built a team of over 750 colleagues who are passionate...
-
Head of Credit Risk
1 week ago
Cheadle, Greater Manchester, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full timeCompany Description We are Together -Proud to be a Financial Services success story based in South Manchester. Established in 1974, we employ over 700 colleagues. A specialist lender offering a range of mortgage and secured loan products to individuals and businesses, who are typically underserved by mainstream lenders. We play our part to turn...
-
Senior Credit Risk Manager
4 months ago
Cheadle, United Kingdom Together Full timeCompany 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 Lending Risk Management
3 days ago
Cheadle Hulme, Stockport, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full timeJob SummaryWe are seeking a highly experienced professional to join our team as a Head of Credit Risk. The successful candidate will have a strong background in credit risk management and will be responsible for leading the development of credit risk policies and related standards.Responsibilities- Lead the development of credit risk policies and related...
-
Senior Mortgage Credit Risk Specialist
3 days ago
Cheadle Hulme, Stockport, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full timeRole OverviewTogether Financial Services Limited is seeking a seasoned professional to fill the role of Head of Credit Risk. As a key member of the management team, you will be responsible for overseeing the second-line management of credit risk across the group.Job DescriptionThe successful candidate will have 3 direct reports and will own and lead the...
-
Strategic Credit Risk Leadership Position
6 days ago
Cheadle Hulme, Stockport, United Kingdom Together Full timeAbout the RoleWe are seeking an experienced Senior Credit Risk Manager to join our team, bringing expertise in credit risk management and a passion for driving business growth.Job SummaryThis strategic leadership role will focus on developing and implementing credit risk standards and policies, ensuring effective credit risk management across regulated and...
-
Credit Risk Director
3 days ago
Cheadle Hulme, Stockport, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full timeJob DescriptionThis role involves leading the development of credit risk policies and related standards across the group. You will work closely with the Executive and Board to ensure that credit risk is being managed within risk appetite. Additionally, you will provide data and reporting to support insight across the Group Risk Function.Key Responsibilities-...
-
Chief Credit Risk Officer
2 weeks ago
Cheadle Hulme, Stockport, United Kingdom Together Full timeAbout the RoleWe are seeking a highly skilled and experienced individual to lead our credit risk management function at Together. As a key member of our leadership team, you will be responsible for ensuring the effective management of credit risk across all our lending products.Key ResponsibilitiesDevelop and implement credit risk policies and procedures to...
-
Credit Risk Manager
3 days ago
Cheadle Hulme, Stockport, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full timeAbout UsWe are Together Financial Services Limited, a specialist lender based in South Manchester. Established in 1974, we employ over 700 colleagues and have been delivering innovative financial solutions to underserved individuals and businesses.Job DescriptionAs a Credit Risk Manager, you will play a vital role in assessing the creditworthiness of our...
-
Strategic Credit Risk Governance Specialist
2 weeks ago
Cheadle Hulme, Stockport, United Kingdom Together Full timeCompany OverviewTogether 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...
-
Senior Credit Risk Manager
4 weeks ago
Cheadle, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full timeJob Title: Senior Credit Risk ManagerAbout the Role:We are seeking a highly skilled Senior Credit Risk Manager to join our team at Together Financial Services Limited. As a Senior Credit Risk Manager, you will be responsible for developing and adhering to credit risk standards and policies.Key Responsibilities:Oversee the first line of defence's policy...
-
Chief Credit Risk Strategist
3 days ago
Cheadle Hulme, Stockport, United Kingdom Together Full timeWe are seeking a highly skilled and experienced Chief Credit Risk Strategist to join our team at Together. This is a unique opportunity for an individual who is passionate about credit risk management and has a proven track record of developing and implementing effective credit risk policies and procedures.The successful candidate will have a deep...
-
Senior Credit Risk Manager
1 month ago
Cheadle Hulme, Stockport, United Kingdom Together Full timeSenior Credit Risk ManagerWe're seeking a seasoned Senior Credit Risk Manager to join our team at Together. As a key member of our credit risk management team, you will be responsible for developing and implementing credit risk policies and procedures that align with our business objectives.Your primary focus will be on ensuring the effective management of...
-
Senior Credit Risk Manager
4 weeks ago
Cheadle Hulme, Stockport, United Kingdom Together Full timeCompany OverviewWe're Together, the market leading property finance experts with a passion for supporting individuals and businesses achieve their property ambitions. Our common-sense approach to lending has made us a trusted partner for those who are underserved by mainstream lenders.As a Senior Credit Risk Manager, you will be part of our team that is...
-
Risk Management Expert
3 days ago
Cheadle, Cheshire, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full timeHead of Credit Risk Position OverviewWe're Together Financial Services Limited, a market-leading property finance expert with an entrepreneurial spirit. Our company is based in the South Manchester area and has been established since 1974, boasting a team of over 750 colleagues who are passionate about supporting individuals and businesses achieve their...
-
Head of Corporate Portfolio
3 months ago
Cheadle, United Kingdom Together Full timeCompany 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...