Risk Manager Lead - Risk Decision & Data Science

Virgin Money UK; Swindon; Hybrid; GBP 70,000 - 110,000; Full time

Benefits offered by this job

Hybrid working

Job summary

Virgin Money UK in Swindon is seeking a Risk Manager Lead to shape and deliver credit scoring capability across Retail Lending, Behavioural and Collections. You will lead a small team with a Senior Risk Manager, delivering scorecard models and innovative risk tools to optimise lending decisions while ensuring regulatory compliance.

The role requires strong stakeholder engagement with Senior Management, product, and risk teams, and a proven track record of leading others.

Qualifications

• Hands-on delivery of multiple scorecard/model developments.
• Ability to translate complex issues for non-technical audiences.
• Proven track record of leading teams to deliver quality models on tight timescales.
• Strong stakeholder management with senior leadership in risk and product.

Responsibilities

• Lead and shape development of credit scoring capability across Retail Lending portfolios.
• Deliver cutting-edge analytical tools to optimise lending decisions and affordability solutions.
• Motivate and enable direct reports and wider team to meet deadlines and quality standards.
• Engage with Senior Management and product teams to ensure alignment with risk strategy.

Skills

Credit scoring

Model development

Stakeholder management

People leadership

Communication

Job description

A fantastic opportunity has become available as a Risk Manager Lead in our thriving Risk Decision & Data Science team - winners of the "Credit Modelling & Risk Team of the Year" at both the 2022 and 2020 Credit Strategy Awards. RD & DS is a dynamic and fun place to work, with a fantastic team culture and a culture for recognising and rewarding the great work its colleagues do.

As a Risk Manager Lead, with the support of a Senior Risk Manager, you will be responsible for leading and shaping the development of credit scoring capability in the team. Thus, enabling the delivery of cutting-edge analytical tools that optimise decisions for all our Retail Lending portfolios, across all aspects of the credit lifecycle (Application, Behavioural and Collections/Recoveries), as well as Affordability solutions that ensure responsible lending and compliance with regulation. Experience of "hands-on" delivery of multiple scorecard / model developments will be essential, as elements of the role will involve developing innovative solutions to complex business problems. Capability to translate complex issues into a more palatable form for a less technical audience will also be critical to ensure productive relationships with key stakeholders. Furthermore, a proven track record of delivering through leading others will be required.

Proven experience in stakeholder management and communication will be integral to the role, as it will involve regular engagement with the Senior Management in Secured and Unsecured Risk, Model Risk Oversight, Collections/Recoveries, and Product areas. People leadership experience will be essential for you to motivate and enable your direct reports and the wider team to deliver high-quality models to tight timescales.

At Nationwide we offer hybrid working wherever possible. More rewarding relationships are supported through our hybrid approach, bringing colleagues together across our UK wide estate, whilst also supporting generous access to home working. We value our time in the office to solve problems, to learn, and to feel connected.

For this job you'll spend at least two days per week, or if part time you'll spend 40% of your working time, based at our Swindon office. If your application is successful, your hiring manager will provide further details on how this works. You can also find out more about our approach to hybrid working here .