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Senior Credit Risk Manager

  • Location: Hampshire
  • Salary: £80,000 per year
  • Job Type:Permanent

Posted 24 days ago

​Our Client is looking for a Senior Credit Risk Manager to join the business for a 12 month fixed-term contract (FTC). As a Senior Credit Risk Manager you will be providing strategic leadership and direction to a growing Credit Risk Acquisition team and be responsible for developing and managing acquisition credit risk (including fraud) strategies and models.

Role responsibilities:

• Ownership of all models including acquisition and behavioural scorecards and systems policy rule sets

• Develop and manage the score cut-off models, strategies and policy rules – ensuring that these drive loss performance in line with our business objectives and achieve positive customer outcomes

• Proactively identify opportunities to deliver enhancements

• Work with our wider business

• Proactively develop proposals

• Be able to present, influence and gain approval from the wider business, our board and stakeholders

• Design, implement and monitor our affordability models and strategies in line with FCA requirements

• Undertake new business analysis and reporting – leading to a deep-dive analytics. At times provide ad-hoc analysis to help with insights and recommendations, with a willingness to partner with different business stakeholders to drive forward recommendations and solutions

• Develop fraud prevention and detection strategies at the customer onboarding stage to protect and mitigate fraud loss

• Understand industry best practice to ensuring best fraud model design

• Work with our wider Credit Policy and Governance teams, along with 1st and 2nd line defence teams

• Be responsible for our Credit System Management, acting as a key contact for our three main UK Credit Reference Agencies (Experian, TransUnion and Equifax)

• Adhere to FCA Conduct rules

About you

• An excellent knowledge of the market or a strong knowledge of financial services

• Solid understanding of principles associated with scorecard model development and oversight / monitoring of key credit models

• Excellent understanding on credit risk data (including CRA data to a raw level) and products / services. With the ability to use analytical and statistical tools (primarily SQL/SAS) on large, complex, multi-dimensional datasets

• Good knowledge of credit decision engine management, e.g. Experian’s Powercurve or equivalent

• Knowledge of fraud management for prevention and detection

• Have good understanding of regulation / CONC guidelines

What’s in it for you:

• Remote working

• Competitive salary and additional benefits

Please note, should feedback not be received within 28 days due to the large volume of applications, unfortunately, your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.

If you would like this job advertisement in an alternative format, please contact MERJE directly.