Credit Risk Strategy Manager - Vehicle/ Motor Finance

Credit Risk Manager- Vehicle/ Motor Finance

Up to £100K

Hybrid working (London)

*Vehicle/Motor Finance experience is essential*

Key Responsibilities:

• Establish a credit risk framework - incorporating risk monitoring and feedback processes - to ensure appropriate decisioning for both customers and the business
• Driving the optimisation of lending decisions through test and learn initiatives to identify champion strategies for new customers
• Investigating and developing new data sources to be used for analysis and decisioning
• Influencing stakeholders - ranging from peers to Senior Management - to gain buy-in and support to deliver change as required
• Supporting business growth and portfolio profitability - ensuring a balance between risk, reward and responsible lending - while controlling credit quality and performance
• Providing colleagues with opportunities to succeed, devoting dedicated time to empowering people through coaching, mentoring and sharing expertise and knowledge
• Presenting clear and concise results (both written and verbal) using aggregated data, highlighting key trends, opportunities/risks and recommendations
• Liaising closely with commercial teams to provide recommendations that enhance decisioning, for the objective of improving both customer and business outcomes
• Driving continuous improvement of credit risk strategies for Vehicle Finance, supporting strategic objectives for growth while minimising impairment and conduct risks

Key Requirements:

• Credit Risk experience - in consumer credit, specialising in Vehicle Finance
• Strong numerical capability with experience in converting analytical information into a business narrative through strong commercial acumen
• Communication - ability to articulate complex ideas to stakeholders in order to influence or persuade
• Problem solving - finding innovative ways to address issues or risks identified, or discovering opportunities to enhance existing strategies
• Management - Experience of managing an analytical team, prioritising activities while providing strategic direction and maintaining motivation through coaching and colleague development
• Keeps up to date with latest regulatory and macro-economic developments and trends

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*No sponsorship can be provided*

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