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
