Retail Underwriting Team Leader
- Milton Keynes
- Permanent
- Full-time
- Provide day-to-day guidance, support, and oversight to team members to ensure high performance and adherence to quality standards
- Manage a team of credit professionals responsible for assessing customer data including credit reports, open banking reports, payslips, and bank statements
- Oversee the team’s analysis of income, expenditure, and financial vulnerabilities to ensure accurate and fair lending decisions
- Ensure team adherence to internal income and expenditure models, guiding appropriate escalation of cases to senior underwriters
- Drive operational excellence by maintaining high standards in documentation review, ensuring accuracy, completeness, and compliance with company policies and regulatory standards
- Act as the escalation point for complex or sensitive internal and external queries, ensuring issues are resolved effectively and efficiently
- Previous team management experience within a financial services based credit or lending environment is essential
- Excellent working knowledge of retail finance underwriting
- A strong understanding of UK regulation, credit risk principles and risk assessment considerations
- Working knowledge of consumer lending environments and CONC 5 is highly desirable
- Strong analytical and decision-making abilities, with the capability to manage complex or high-risk cases
- Confident communicator, both written and verbal, with the ability to influence and collaborate across departments
- A team player who can collaborate with team members and wider colleagues across the business