SCUK Analytics and Oversight Manager

Santander USA; Redhill; Hybrid; GBP 65,000 - 70,000; Full time

Job summary

A leading financial services company in Redhill is seeking an Analytics and Oversight Manager to lead a team in managing credit risk and supporting strategic objectives. The ideal candidate will have significant experience in retail businesses and a strong understanding of the PRA & FCA regulatory environment. This role comes with a competitive salary, benefits, and a strong commitment to inclusion and workplace diversity.

Benefits

Competitive salary

30 days holiday

Annual bonus

Private medical cover

Pension contributions

Employee assistance programme

Gym passes

Qualifications

• Significant experience in a broad spectrum of retail businesses, including high & low automated environments.
• Experience working with external governance bodies, including CRAs.
• Strong understanding of leveraging data for decision making.

Responsibilities

• Develop and maintain a program to manage and report Credit risk.
• Lead and develop teams to perform effectively.
• Manage relationships with internal and external stakeholders regarding credit risk.

Skills

Experience in retail businesses

Understanding of PRA & FCA regulatory environment

Leadership skills

Data-driven decision making

Job description

SCUK Analytics and Oversight Manager

Country: United Kingdom

Santander Consumer Finance UK (SCUK) is based in Redhill, Surrey and provides motor finance to a network of car dealerships throughout the United Kingdom. We are pleased to share that we are currently looking for an Analytics and Oversight Manager to join our Retail Risk Department working on a hybrid basis (with a minimum of 3 days a week in the office).

Reporting to the Head of Retail Risk, and leading your own team of 6, you will manage, own, understand, explain movements in the Credit market. You will also manage quality monitoring and oversight of Credit Risk requirements translated from the CPD and ensure systems align with SCUK’s policies.

Main responsibilities will include:

• To develop and maintain an integrated programme to identify, assess, manage and report Credit risk and controls enabling the achievement of strategic objectives and supporting the SCUK's corporate goals within agreed risk appetite constraints. Ensuring the area operates effectively in adherence to the internal policies of the bank and legislative/regulatory guidelines of relevant external authorities
• Developing people’s potential and being a good coach. Gives effective individual feedback and is an active listener. Manages and evaluates people in an objective manner. Encourages others by supporting them and celebrating success
• To lead, motivate and develop teams to perform effectively and to deliver a culture of technical and personal development and excellence in industry practices
• To manage the credit portfolios to ensure they operate with their agreed Credit risk appetite(s) at all times, apportioning as appropriate between its differing sub-portfolios to ensure that the Board’s objectives are met
• Taking action to align the organisation around the client and the Group’s mutual success. Acts to develop customer relationships and seeks to exceed client's expectations. Leads others to actively manage new business opportunities, improve service quality and exceed customer expectations
• To optimise the Credit risk reward equation, track, identify and quantify changes in actual and predicted credit, income performance etc; highlight all relevant commercial, cultural, reputational implications etc; advise the Board and stakeholders of potential consequences in a timely and proactive manner and gain agreement to & implement actions to resolve or mitigate potential risks
• To develop a culture where SCUK credit risk is ingrained throughout the business by driving the development of industry leading approaches that ensure all legal, operational, reputational, audit and commercial obligations etc are met
• To manage relationships with internal stakeholders to ensure their understanding of credit risk; promoting and educating the business in relation to suitability, commerciality, limitations, impact, and obligations through the whole customer lifecycle and in the context of the current or anticipated wider economic environment
• To build and manage relationships with external stakeholders including the PRA & FCA and other Regulators to develop enduring relationships for the effective operation of the Bank. (this includes providing industry expertise and guidance to the business with respect to market dynamics, risk tools and methodologies)

We’re looking for someone with:

• Significant experience in broad spectrum of retail businesses including high & low automated environments and customer /product focus
• Experience of working alongside key suppliers: internal, external, governance and application bodies e.g., CRAs, etc.
• A strong understanding of cultural alignment to the operating environment, particularly the supply and utilisation of data to support decision making e.g., information-based decision and assessment tools
• Experience of working with the PRA & FCA regulatory environment associated with banking activities to ensure compliance with regulatory requirements, with particular focus on the retail banking environment in the UK

Desirable Skills/experience, but not essential:

• Proven track record of leadership at a senior level in Retail Financial Services focused on Retail Banking with significant experience of a range of retail segments
• In depth understanding of the Credit Risk analysis tools & techniques used throughout the credit lifecycle, including their limitations
• Experience of working with automated scorecard development and deployments
• Previous experience of managing operational areas i.e., underwriting, fraud, customer service
• Experience of developing, implementing, and integrating institutional wide core decision solutions that touch all areas of the organisation
• Experience gained in a wide variety of organisations and complex organisational structures

We have a range of benefits available which include:

• Competitive salary of £65,000-£70,000 (dependent on experience)
• 30 days holiday per annum, plus bank holidays
• Annual bonus based on personal and company performance
• Car allowance
• Private medical cover
• Generous pension contributions
• Employee assistance programme
• Sharesave scheme
• Gym passes at a reduced rate for 3,000 gyms, leisure centres etc

Inclusion

At Santander we’re creating a thriving workplace where all colleagues feel they belong and are supported to succeed. We all help to make Santander a workplace that celebrates diversity and attracts, retains and develops the most talented and committed people through living our values of Simple, Personal, and Fair.

At Santander Consumer Finance we have a zero-tolerance approach to discrimination, bullying, harassment (including sexual) or victimisation of any kind.

Should you want to be considered for part time hours, please let us know and we can assess your requirements.

What are the next steps:

If you are interested in this role and believe you have the skills, experience, and knowledge then we’d love to hear from you. Please go ahead and click apply which will take you through some questions and allow you to submit your CV and covering letter.