Senior Credit Risk Manager - Responsible Lending and Open Banking

TN United Kingdom; Bradford; Hybrid; GBP 50,000 - 80,000; Full time

Job summary

Ein führendes Unternehmen im Finanzsektor sucht einen Senior Credit Risk Manager, der innovative Kreditstrategien entwickelt. In dieser spannenden Rolle werden Sie die Nutzung von Open Banking Daten vorantreiben und die Kreditvergabe für unterversorgte Kunden optimieren. Sie arbeiten eng mit verschiedenen Abteilungen zusammen, um eine positive Kundenerfahrung zu gewährleisten und das Wachstum des Unternehmens zu unterstützen. Diese Position bietet Ihnen die Möglichkeit, in einem dynamischen Umfeld zu arbeiten, in dem Ihre Ideen und Ihr Engagement geschätzt werden. Wenn Sie eine Leidenschaft für verantwortungsvolle Kreditvergabe haben, bewerben Sie sich jetzt!

Benefits

Discretionary annual bonus

25 days holiday (up to 30 days)

Pension scheme with matched contributions

2 paid days to ‘give back’

Enhanced maternity pay

4 weeks paid paternity

LinkedIn Learning for all

Private Medical Insurance

Qualifications

• Führung der Kreditrisikostrategie und Nutzung alternativer Daten.
• Entwicklung innovativer Ansätze zur Optimierung von Kreditentscheidungen.

Responsibilities

• Leitung des Teams zur Entwicklung von Kreditstrategien.
• Optimierung der Nutzung von Open Banking in Kreditentscheidungen.
• Coaching und Mentoring von Teammitgliedern.

Skills

Entwicklung verantwortungsvoller Kreditstrategien

Nutzung von Open Banking Daten

Entwicklung und Implementierung von Scorecards

Analytische Fähigkeiten

Kenntnis der regulatorischen Landschaft

Education

Bachelor in Finanzen oder Wirtschaft

Master in Finanzen

Tools

MS Teams

Job description

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Senior Credit Risk Manager - Responsible Lending and Open Banking, Bradford

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Client:

Location:

Bradford, United Kingdom

Job Category:

Finance

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EU work permit required:

Yes

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Job Reference:

38e8381c42f1

Job Views:

13

Posted:

28.04.2025

Expiry Date:

12.06.2025

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Job Description:

Senior Credit Risk Manager - Responsible Lending and Open Banking

Location: Petersfield, Bradford, Chatham, London

Closing Date: Tuesday 12 November 2024

Senior Credit Risk Manager – Responsible Lending and Open Banking

Location: London, Bradford, Chatham or Petersfield

Working Pattern: Our working style is hybrid, but we recognise the importance of collaborative working with our colleagues often 1 to 3 days per week in one of our offices.

Benefits: Discretionary annual bonus, 25 days holiday up to 30 days (depending on service), pension scheme with matched company contributions up to 10%, 2 paid days to ‘give back’, enhanced maternity pay (once successfully passing probation), 4 weeks paid paternity, LinkedIn Learning for all, Snoop Premium, Private Medical Insurance.

Don’t hesitate to apply for a role even if you don’t meet all the criteria; your unique strengths and eagerness to learn can be just as valuable.

You and Your Team:

As a Senior Credit Risk Manager – Responsible Lending and Open Banking, you will be reporting to the Head of Credit Risk Strategies.

In this role, you will lead the evolution of using alternative data sources within our affordability and credit risk strategies for Loans, Vehicle Finance, and Credit Cards. You will be pivotal in establishing thought leadership within the UK industry on the use of open banking transactional data, enabling us to provide credit to the underserved, capture market share, grow receivables, optimise profitability, and deliver good customer outcomes.

In your day-to-day role, as a Senior Credit Risk Manager – Responsible Lending and Open Banking, you will:

• Lead and role model for the wider strategy function on innovative and entrepreneurial spirit, influencing across Tech and Change, Data and Analytics, Commercial, Finance, and the wider business.
• Lead the cross-functional team focused on building out our credit strategy for lending policy, particularly optimizing the use of open banking in affordability and responsible lending decisions.
• Coordinate projects aimed at achieving an ambitious future vision to change lending for the better.
• Ensure effective engagement with customers at different points in the lending journey.
• Create innovative ways to look at the data ‘value exchange’ throughout the customer onboarding process.
• Build, lead, and develop a team of high-performing individuals.
• Drive the optimization of lending decisions through test and learn initiatives to identify champion strategies for both new and existing customers.
• Influence stakeholders across the Group, from peers to Senior Management, to gain buy-in and support for delivering change.
• Support business growth and portfolio profitability by balancing risk, reward, and responsible lending.
• Provide colleagues with opportunities to succeed through coaching, mentoring, and sharing expertise and knowledge.

What will make you stand out?

• Expert in developing responsible lending strategies as part of a Credit Risk function.
• Expert in the use of open banking data.
• Extensive experience in developing and implementing scorecards, strategy rules, and affordability assessments.
• Inspire the analytical team, prioritising activities and providing strategic direction.
• Familiar with the existing regulatory and economic landscapes, with working knowledge of CONC obligations and an overview of wider macro-economic environment and trends.

The interview process:

• Up to 30-minute telephone call with a member of the Talent Acquisition team.
• Up to 1-hour interview with the hiring team – via MS Teams.
• Final interview with the wider Credit Risk team.

Our average process takes up to 4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team throughout the process.

As this role involves working within a regulated environment, any offer will be subject to satisfactory background checks including criminal record check, credit check, fraud check, and employment references.

Your working life: If you prefer to work part-time, we'll make this happen whenever we can—whether to help you meet other commitments or strike a great work-life balance. A fear of losing your current working flexibility shouldn't hinder you from applying for new opportunities, which is why we aim to match your existing flexible working arrangements where possible.

Why work for us?

We’re Vanquis Banking Group plc, an FTSE All Share company and a leading specialist bank, established in 1880. We lend responsibly, providing tailored products and services to 1.75 million UK customers through Vanquis, Moneybarn, and Snoop. Our purpose is simple: to deliver caring banking so our customers can make the most of life’s opportunities.

At Vanquis Banking Group, we believe in looking after our colleagues, so we do our best to create a rewarding, engaging, and supportive work environment across our various divisions.

We let our colleagues know we appreciate their hard work by offering competitive salaries, benefits, and a Group-wide recognition scheme. All colleagues are eligible to join a pension scheme, and after six months’ service, you can join our 'Buy as you Earn' schemes.

We offer a range of training and development opportunities to help each of our colleagues maximise their potential. From your first day working with us, we’ll help you settle into your new role and are happy to talk to you about your career aspirations.

Equal Opportunity Statement

Here at Vanquis Banking Group, we embrace everyone’s unique strengths and identities to be themselves at work. Regardless of how you identify yourself, your sexual orientation, marital or civil partner status, race, colour, nationality, ethnic or national background, faith, disability, or age – your experiences and background help enrich our teams, and most importantly, help support our customers in the best way possible. At the end of the day, it's our people that help us to fulfil the reason why we’re here in the first place: to help put people on a path to a better everyday life.