Credit Risk Manager (Revolving Lending)

Discipline: Policy, Risk & Compliance
Job type: Permanent
Contact name: Harry Butler

Contact email: harry.butler@digitechresourcing.co.uk
Job ref: J6734
Published: about 1 month ago
Startdate: 18/04/2024

Credit Risk Manager

Financial Services

£85,000 per annum + 10% bonus

London/Remote - One day a week in the office

As a Risk Management Specialist, your daily responsibilities will include:

• Crafting and implementing a robust risk management framework, integrating effective monitoring mechanisms and feedback loops to ensure sound decision-making aligned with the Group's risk tolerance.

• Spearheading initiatives to enhance lending strategies through iterative testing and learning, identifying optimal approaches for both new and existing clientele.

• Exploring and integrating novel data reservoirs for comprehensive analysis and informed decision-making.

• Engaging and influencing stakeholders at various levels across the organization to garner support for transformative initiatives as needed.

• Nurturing business expansion and portfolio profitability by striking a balance between risk, reward, and ethical lending practices, while maintaining control over credit quality and performance.

• Facilitating the professional growth of team members by offering coaching, mentorship, and knowledge-sharing opportunities.

Leadership Responsibilities:

• Crafting a coherent strategic roadmap for analysts in the Dynamic Lending Division, amalgamating acquisition decision-making with ongoing customer management into an integrated function.

• Recruiting, nurturing, and coaching team members to ensure a high level of proficiency, competence, and morale, fostering a culture of excellence.

• Defining clear performance objectives to drive individual and collective achievement of functional objectives aligned with strategic imperatives.

• Cultivating an inclusive environment that champions diversity and positive behaviours, leading by example in identifying, addressing, and mitigating risks through robust controls.

• Demonstrating a collaborative mindset by readily allocating resources to support critical initiatives and shared organizational goals.

Key Qualifications:

• Proven track record in Risk Management, ideally specializing in Credit Cards across the credit lifecycle.

• Experience in leading analytical teams, adept at prioritizing tasks, providing strategic guidance, and sustaining motivation through coaching and professional development.

• Strong quantitative skills with a knack for translating analytical insights into compelling business narratives, demonstrating solid commercial acumen.

• Excellent communication skills, capable of conveying complex ideas to stakeholders effectively, influencing decisions, and delivering impactful messages when needed.

• Proficient problem-solving abilities, adept at identifying innovative solutions to mitigate risks, address challenges, or capitalize on opportunities.

• Stay abreast of the latest regulatory frameworks and macroeconomic trends.

• Customer-centric mindset with a keen understanding of the broader implications of strategic decisions on customer outcomes.