Senior Credit Risk Manager- Credit Cards

JR United Kingdom; London; On-site; GBP 100,000 - 120,000; Full time

Job description

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Senior Credit Risk Manager - Credit Cards, London

Client: MERJE

Location: London, United Kingdom

Job Category: Other

EU work permit required: Yes

Job Views: 8

Posted: 18.04.2025

Expiry Date: 02.06.2025

Job Description:

Up to £120K

Once a week in London

Do you have strong experience working in Credit Cards?

Have you managed Credit Risk Managers previously?

This one's for you.

Key Responsibilities:

1. Driving the optimisation of lending decisions through test and learn initiatives to identify champion strategies for existing customers.
2. Establishing a credit risk framework – incorporating risk monitoring and feedback processes – to ensure appropriate decisioning for both customers and the business within the risk appetite.
3. Investigating and developing new data sources including open banking data to be used for analysis and decisioning.
4. Influencing stakeholders across the business – ranging from peers to Senior Management – to gain buy-in and support to deliver change as required.
5. Supporting business growth and portfolio profitability – ensuring a balance between risk, reward, and responsible lending – while controlling credit quality and performance.
6. Providing colleagues with opportunities to succeed, devoting dedicated time to empowering people through coaching, mentoring, and sharing expertise and knowledge.

Key Requirements:

1. Expert in developing strategies as part of a Credit Risk function.
2. Expert in new business strategies for both revolving and structured credit.
3. Extensive experience of key activities such as development and implementation of scorecards, strategy rules, and affordability assessments, coupled with an overview of a typical customer journey and touchpoints.
4. Familiar with the existing regulatory and economic landscapes, with working knowledge of CONC obligations and an overview of wider macro-economic environment and trends.