Portfolio Credit Risk Manager

OSB Group; Wolverhampton; Hybrid; GBP 65,000; Full time

Job summary

A leading mortgage lender in Wolverhampton is looking for a Portfolio Credit Risk Manager to manage credit risk processes and lead analytical projects. Candidates should have advanced SAS/SQL skills and experience in Retail/Consumer Finance Credit Risk. The position offers a salary around £65,000, up to 15% discretionary bonus, and comprehensive benefits including hybrid working options.

Benefits

Up to 15% discretionary bonus

28 days annual leave plus bank holidays

Private Medical Insurance

Maternity & Adoption Leave

Paternity Leave

Qualifications

• Advanced SAS/SQL skills are essential for reporting and analysis.
• Experience in Retail/Consumer Finance Credit Risk is necessary.
• Desirable knowledge of credit risk lifecycle and analytical techniques.

Responsibilities

• Provide MI updates to Senior Management and Credit Risk Committee.
• Lead Credit Risk analytical projects across all products and brands.
• Manage affordability underwriting tools and valuation procedures.

Skills

Advanced SAS/SQL skills

Excel/VBA skills

Stakeholder management

Strong communication skills

Education

Mathematical qualification or equivalent experience

Job description

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Client:

OSB Group

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Other

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EU work permit required:

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Job Reference:

92547a859da9

Job Views:

12

Posted:

12.08.2025

Expiry Date:

26.09.2025

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Job Description:

About the team

As Portfolio Credit Risk Manager, you will join the Risk function at OSB Group, reporting to the Senior Credit Risk Manager. This role involves creating and updating credit risk reports, conducting portfolio deep dives, segmentation reviews, and strategy assessments. You will perform regular analyses to support decision-making and policy development across Underwriting, Collections, and Recoveries teams. The role includes line management of at least one Credit Risk Analyst.

The position is based in Wolverhampton with a hybrid working policy; flexibility can be discussed.

About Us

The OSB Group is a FTSE 250 mortgage lender focusing on selected market segments. Our lending is supported by retail savings franchises and securitisation platforms, with operational support from OSBIndia. We value diversity and inclusion, fostering a collaborative environment and supporting initiatives like Women in Finance and Women in Leadership.

What you will be doing

The Portfolio Credit Risk Manager will oversee end-to-end credit risk data processes and analyses, requiring strong SAS and SQL skills. Responsibilities include:

• Providing MI updates to Senior Management and Credit Risk Committee
• Running critical data processes ensuring governance compliance
• Leading Credit Risk Analytical projects across all products and brands
• Managing affordability underwriting tools and valuation procedures
• Handling Regulatory Data requests
• Supporting Risk Appetite settings and Early Warning Indicators
• Identifying areas for analytical deep dives and insights

This role offers exciting opportunities, including involvement in a transformation project to establish a new operating platform, with growth prospects aligned with the company's expansion.

In return for your commitment

We offer a salary dependent on experience (around £65,000) and benefits such as:

• Up to 15% discretionary bonus
• 28 days annual leave plus bank holidays
• Private Medical Insurance, Medical Cash Plan
• Maternity & Adoption Leave (100% for 13 weeks, then 50%)
• Paternity Leave (4 weeks)
• Additional benefits: Hybrid working, Cycle Purchase, Technology Purchase, Season Ticket Loan, Employee Perk Portals, Payroll giving, Save as you Earn

Could you be the one?

Ideal candidates will have:

• Advanced SAS/SQL and Excel/VBA skills for MI reporting and analysis
• Mathematical qualification or equivalent experience
• Experience in Retail/Consumer Finance Credit Risk
• Knowledge of credit risk lifecycle and analytical techniques
• Strong stakeholder management and communication skills
• Desirable: mortgage lending experience and line management experience

We support individual career growth and development.

What to do next

If interested, apply now! For internal applicants, please visit the internal careers page. For a confidential chat, contact us via the careers page. Our recruitment process is personalized and conversational.

We are committed to diversity and equal opportunities. We promote inclusion at all levels and support flexible working arrangements.

Applicants must have the right to work in the UK and consent to pre-employment checks.