Business Credit Risk Manager

Adway Associates; London; On-site; GBP 70,000 - 100,000; Full time

Job summary

A leading financial organization seeks a Credit Risk Manager to innovate their lending strategy. This role involves leading credit performance reviews, managing a team, and delivering actionable insights for continuous improvement in portfolio management. Strong experience in business lending and analytics is essential, with candidates expected to effectively influence stakeholders and drive strategic initiatives.

Qualifications

• Experience in business lending within an IRB credit environment.
• Technical expertise in SAS, with Python, R, and SQL being advantageous.
• Ability to articulate complex issues clearly to stakeholders.

Responsibilities

• Lead credit performance review and engagement with senior stakeholders.
• Transform portfolio performance assessment processes.
• Deliver deep dive assessments of portfolio composition and asset quality.

Skills

Credit Risk Modelling

Data Analysis

Portfolio Analytics

SAS

Python

R

SQL

Attention to Detail

Stakeholder Management

Job description

Social network you want to login/join with:

Our Business Credit Insight and Innovation team plays a pivotal role in shaping our lending strategy across Business lending. We're looking for a Credit Risk Manager to join our team and help us innovate and continue to grow responsibly while ensuring our lending meets customer needs and regulatory standards.

You'll lead the regular credit performance review of the business portfolios, presenting to senior stakeholders your findings, positively influencing the strategic direction of the portfolios. You will be responsible for delivering insight into our business portfolio as well as using your experience and expert judgement to drive the strategy. Crucial to this role will be supporting the continued efficiency and improvements to our portfolio insight, delivering timely, accurate and actionable insight to senior committees and external regulators.

The role:

• Leading a small team who are transforming the landscape for assessing how the performance of the business lending portfolio is managed from a credit risk perspective, implementing new ways of monitoring and identifying trends, strengths and weaknesses of the portfolio, driving efficiency and automation in our approach.
• Leading the development and recommendation of appropriate Credit Risk Appetite metrics, limits and triggers, ensuring effective engagement across 1st and 2nd LOD.
• Providing coherent and actionable insight, oversight, and challenge of the credit quality of the business portfolio to a variety of internal and external stakeholders, including senior committees and regulators.
• Taking ownership of delivering regular deep dives and assessments of portfolio composition and asset quality, leading the engagement across teams as required, ensuring insights are of the highest quality and drive action.
• Driving a culture of continuous improvement, rationalising processes, improving sophistication and addressing complexity across all aspects of managing the portfolio.
• Deputising for the Credit Risk Manager, supporting all aspects of managing the business lending portfolio.

The Candidate:

• Experience of business lending within an IRB credit environment.
• Experience across credit risk modelling and analytics.
• Strong technical expertise in SAS, (Python, R and SQL would be advantageous)
• Experience of data analysis and portfolio analytics.
• Experience around creating best in class efficient and effective reporting suites, driving improvements and efficiencies in a portfolio management setting.
• Extensive experience in articulating complex credit risk matters into digestible and actionable insight, with an ability to land a succinct message with senior leaders.
• Extremely effective attention to detail, ensuring analytics produced is accurate and robust.
• Insatiable curiosity and an inquisitive mindset with a drive to delve past surface level information and understand trends from first principles.
• A strong track record for influencing change in a positive and collaborative manner and turn ideas into practical solutions.
• Experience in building trusted relationships with key stakeholders, both internally and externally.

Its a bonus if you have (but not essential)

• Broad knowledge of Risk Management disciplines and three lines of defence model in place across the Group.