Credit Risk Manager

Fantastic contract opportunity based in the midlands with a growing FS business. Hands on role within specialised field.

Knowledge, Experience and skills:

• Experience in mortgage credit risk - experience of managing a credit risk team is desirable but the appetite to support with team management is essential, the right person and culture fit is key

• In depth experience of portfolio management across the credit lifecycle

• Experience of designing & implementing analytics, strategies and models working within complex credit processes and systems in a heavily regulated environment

• Prudential risk management experience including IFRS9 models, stress testing and ICAAP

• Knowledge of all relevant regulation and legislation - FCA Handbook, PRA Rulebook, MCOB and SS20/15

• Experience in SAS programming or other analytical software

• Excellent communication skills, able to articulate complex information and influence on all levels

• Strong stakeholder management skills, able to build relationships and engage across all areas of the business

Role/Responsibilities:

• Ensuring new business and overall performance remain within Board approved credit risk appetite

• Maintain and develop credit MI and portfolio monitoring, including deep dive analysis to understand performance and identify potential opportunities

• Optimisation of credit policy and credit strategy

• Supporting to delivery of credit risk initiatives and credit transformation, including scorecard development, credit decisioning upgrade, and IFRS 9 model enhancement

• Oversee and manage IFRS9 models, climate risk models, stress testing and ICAAP

• Close collaboration with product, distribution and finance in the development of propositions

• Working closely with the Head of Credit and Credit Risk manager to build capability across the Credit Risk team

• Manage and develop a small team of analysts