Credit Risk Manager in Solihull

Energy Jobline ZR; Metropolitan Borough of Solihull; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

A leading financial service provider in Solihull is looking for a Risk Manager to oversee Portfolio Management risk. Responsibilities include managing credit risk, providing forecasts, and liaising with teams to enhance business strategies. Candidates should have expertise in SAS or SQL and a strong analytical background. This position offers a competitive salary and flexible hybrid working arrangements.

Benefits

Competitive salary

Contributory pension scheme

Health Cash Plan

Flexible benefits platform

Holiday buy/sell opportunity

Qualifications

• Experience in SAS Base / SQL or similar programming required.
• Very good knowledge of credit bureau data and products is essential.
• Strong analytical background to set relevant analysis desired.

Responsibilities

• Ownership of Portfolio Management risk area.
• Provide Bad Debt forecasts for pricing and loss calculations.
• Manage portfolio exposure and necessary controls to minimise risk.
• Identify cost reduction and service improvements.

Skills

Experience in SAS Base / SQL or similar programming

Understanding of consumer risk lifecycle

Knowledge of credit bureau data and products

Knowledge of scorecard development and monitoring

Analytical skills for relevant analysis

Job description

Overview

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We focus on the Oil & Gas, Renewables, Engineering, Power, and Nuclear markets as well as emerging technologies in EV, Battery, and Fusion. We are committed to ensuring that we offer the most exciting career opportunities from around the world for our jobseekers.

Role

Job Title: Risk Manager – Partner Finance

Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues

Hours: Full time, Permanent

Responsibilities

A bit about us: At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.

The Role:

Take ownership of the Portfolio Management risk area. Provide Bad Debt forecasts for pricing or loss calculations for month end reporting and budgetary processes to help with portfolio management. BNP Paribas Personal Finance provides credit facilities for a variety of clients. This challenging role helps the business manage and understand the bad debt dynamics of the business for the various products, providing insights into any variances and detrimental customer behaviours.

• Understand the high level ‘health’ of the portfolio against internal and external benchmark levels and summarise Credit risk trends for monthly MI packs
• Manage the exposure across the portfolio ensuring we have the necessary controls in place to minimise risk
• Deal rapidly with any issues that may have a detrimental effect on the relationship with key retailers
• Identify areas of cost reduction, service and process improvements that will result in adding value to the business whilst treating customers fairly
• Take ownership of the Partner Revenue Committee actions from a Risk perspective
• Liaise with Finance and Marketing teams to deliver analysis to aid business decisions on new strategy

Qualifications

Skills & Attributes:

• Experience in SAS Base / SQL or similar programming
• Complete understanding of the consumer risk lifecycle
• Very good knowledge of credit bureau data and products
• Prior knowledge of scorecard development and monitoring. Experience in forecasting would be beneficial.
• Ability to generate ideas to challenge existing business practices
• Very strong analytical background to be able to set relevant analysis to answer questions

What’s in it for you?

Joining BNP Paribas Personal Finance means becoming part of a Top Employer UK dedicated to making a difference to the lives of our customers. Along with a fulfilling career, you\'ll be able to enjoy a benefits package which you can tailor to your lifestyle and needs, with key highlights including;

• Competitive salary and a contributory pension scheme
• Access to our Health Cash Plan Scheme
• A multi-award-winning flexible benefits platform offering life insurance, private medical insurance, or lifestyle benefits that include discounts on dining, cinema, and days out
• The opportunity to buy and sell holidays, giving you even more control over your work-life balance

Could this be you?

Making a positive impact is at the heart of everything we do – whether for our colleagues, customers, partners, or the community. We live by our values: We’re positive, we’re brave, and we own it. We believe a positive attitude and a passion for making things happen matter most. Don’t let confidence hold you back – there’s no such thing as a ‘perfect’ candidate. If you meet 75% of the requirements for this role, we want to hear from you! Whether you\'re considering a career change or exploring a sector jump, we welcome applicants with transferable skills.

Apply now to express your interest and discover how you can make a meaningful contribution to our dynamic team.

To learn more about careers at BNP Paribas Personal Finance UK, visit our website: https://www.bnpparibas-pf.co.uk/careers.

Equal Opportunities Disclaimer

BNP Paribas Personal Finance promotes equality of opportunity and is committed to ensure that no individual is discriminated against on the grounds of , , reassignment, marriage or civil partnership status, and maternity, , or belief, or .

If you are interested in applying for this job please press the Apply Button and follow the application process. Energy Jobline wishes you the very best of luck in your next career move.