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- Tasks: Shape and optimise credit risk strategies for vehicle finance customers.
- Company: Join a leading specialist financial services provider focused on innovation and data-driven decisions.
- Benefits: Enjoy a collaborative culture, professional development opportunities, and the chance to make an impact.
- Why this job: Be at the forefront of credit risk strategy, influencing customer outcomes and business growth.
- Qualifications: Extensive credit risk experience, strong analytical skills, and team leadership capabilities required.
- Other info: Opportunity to work with cross-functional teams and mentor aspiring analysts.
The predicted salary is between 43200 - 72000 £ per year.
A leading specialist financial services provider is seeking a Credit Risk Strategy Manager to join its growing vehicle finance team.
This is a unique opportunity to shape and optimise credit risk strategies from the ground up, in a business that values data-driven decision-making, collaboration, and innovation. Working at the intersection of credit risk, customer strategy, and product innovation, you will play a central role in shaping the vehicle finance proposition.
Key Responsibilities:
- Design and implement credit risk strategies for vehicle finance customers, ensuring alignment with the organisation’s risk appetite, regulatory requirements, and commercial objectives.
- Lead the optimisation of lending decisions through advanced analytics, champion/challenger testing, and strategic modelling, with a focus on new business acquisition.
- Investigate and incorporate alternative data sources to strengthen underwriting capability and enhance customer segmentation.
- Develop and maintain a robust credit risk framework, including performance monitoring, feedback loops, and governance processes to ensure effective decision-making across the credit lifecycle.
- Collaborate cross-functionally with product, finance, and customer teams to develop propositions that balance risk, reward, and customer outcomes.
- Present clear, data-driven insights and recommendations to senior stakeholders, translating complex analysis into actionable strategy.
- Continuously monitor portfolio performance and conduct deep-dive investigations into emerging trends, risks, and opportunities.
- Support the development and implementation of credit policy changes, ensuring compliance with regulatory expectations and market best practices.
- Lead, coach, and mentor a team of credit risk analysts, fostering a high-performance culture and encouraging professional development and innovation.
- Drive strategic initiatives to enhance responsible lending practices while enabling business growth and profitability.
What You’ll Bring:
- Extensive credit risk experience in consumer lending, ideally with a focus on vehicle finance.
- Strong numerical, analytical, and commercial skillset.
- Ability to interpret and communicate complex data in a clear, persuasive manner to influence stakeholders.
- Proven experience in leading teams and managing high-impact strategic projects.
- Knowledge of current regulatory and macroeconomic trends affecting the UK credit market.
Credit Risk Strategy Manager employer: Hitchenor Wakeford Limited
Contact Detail:
Hitchenor Wakeford Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Strategy Manager
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management, especially in vehicle finance. Understanding the nuances of this sector will help you speak confidently about how you can contribute to our team.
✨Tip Number 2
Network with professionals in the financial services industry, particularly those involved in credit risk and vehicle finance. Engaging in conversations can provide insights into what we value at StudySmarter and may give you an edge during interviews.
✨Tip Number 3
Prepare to discuss specific examples of how you've used data-driven decision-making in your previous roles. We appreciate candidates who can demonstrate their analytical skills and how they’ve applied them to optimise credit strategies.
✨Tip Number 4
Showcase your leadership experience by highlighting instances where you've successfully led teams or projects. At StudySmarter, we value collaboration and innovation, so be ready to share how you've fostered a high-performance culture.
We think you need these skills to ace Credit Risk Strategy Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk and consumer lending, particularly in vehicle finance. Use specific examples to demonstrate your analytical skills and leadership experience.
Craft a Compelling Cover Letter: In your cover letter, express your passion for data-driven decision-making and innovation in credit risk strategies. Mention how your background aligns with the key responsibilities outlined in the job description.
Showcase Analytical Skills: Provide examples of how you've used advanced analytics and strategic modelling in previous roles. Highlight any experience with champion/challenger testing and alternative data sources that could enhance underwriting capabilities.
Prepare for Interviews: Be ready to discuss your approach to developing credit risk frameworks and your experience in collaborating with cross-functional teams. Prepare to present data-driven insights and recommendations clearly and persuasively.
How to prepare for a job interview at Hitchenor Wakeford Limited
✨Showcase Your Analytical Skills
As a Credit Risk Strategy Manager, you'll need to demonstrate your strong numerical and analytical abilities. Be prepared to discuss specific examples of how you've used data to inform credit risk strategies or improve lending decisions in previous roles.
✨Understand the Regulatory Landscape
Familiarise yourself with current regulatory requirements affecting the UK credit market. During the interview, be ready to discuss how you would ensure compliance while still driving business growth and profitability.
✨Prepare for Scenario-Based Questions
Expect questions that assess your problem-solving skills and strategic thinking. Prepare to discuss how you would approach designing and implementing credit risk strategies, including any challenges you might face and how you'd overcome them.
✨Emphasise Team Leadership Experience
Since the role involves leading and mentoring a team of credit risk analysts, highlight your experience in managing teams. Share examples of how you've fostered a high-performance culture and encouraged professional development within your team.
