Credit Risk Strategy Manager - Vehicle/ Motor Finance

Merje

  • London
  • £100,000 per year
  • Permanent
  • Full-time
  • 2 months ago
  • Apply easily
Credit Risk Manager- Vehicle/ Motor FinanceUp to £100KHybrid 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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