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Head of Credit Risk

1 month ago

Manchester, United Kingdom Altum Consulting Full time

About the business:

This organisation is the market leading property finance experts with an entrepreneurial spirit. There is a team of over 750 colleagues who are passionate about supporting individuals and businesses achieve their property ambitions by making finance work for them. They have an excellent entrepreneurial culture, based south Manchester and are in the office 5 days a week. They have very clear growth ambitions for the business, but more importantly, they are clear on how they are going to get there.

About the Role:

This role is responsible for the second line management of credit risk for the Group. Leading a team of nine with three direct reports, you will own and lead the development of credit risk policies and related standards and provide oversight and assurance to the Executive and Board that credit risk is being managed within risk appetite.

The role will involve:

  • Oversight, challenge and assurance of first line credit risk management and reporting for credit risk across all products
  • Ownership and development of credit risk policies and related standards for all Group lending products, ensuring appropriate governance of changes and evidence of key controls
  • Production of the credit risk profiles for Exec and Board risk committees, working with the first line to ensure all material credit risks have been identified and mitigating actions (where required) have been defined and progressed
  • Set, via the Board, credit risk appetites; identifying and managing portfolio level credit risks, key exposures and concentration risks
  • Use your knowledge of the industry and the macroeconomic environment to identify emerging credit risks for the business and develop forecasting models, e.g. arrears forecasting
  • Maintenance and development of all Group Risk data and reporting, including credit risk reporting across 2nd line and for the 1b credit risk team
  • Identification of new data sources and escalation to Group Exec for resourcing decisions for their development - where agreed and resourced, lead development of new data sources
  • Transformation advisor for credit risk, scorecards, decisioning and automation for the transformation programme

A bit about yourself:

  • Numerical degree and strong analytical skills
  • You will be the expert on scorecard modelling and automation for the Transformation programme and across the Group.
  • Strong understanding of risk management principles across the credit lifecycle, credit analytics and policies
  • Experience of implementing scoring and advanced data and analytical techniques throughout the customer journey
  • Good understanding of the technology that underpins the credit operation e.g. decision engines, credit data and appropriate analytical skills
  • Experience of managing and developing high performing teams
  • Confident and influential communicator to Board level
  • Experience of secured lending, particularly specialist mortgage lending
  • Experience of lending against commercial and residential securities and to consumer and commercial customers
  • Knowledge of analytical tools, e.g. Python, SQL, Power BI