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For Companies At a Glance
- Tasks: Manage credit risk data processes and analyses, reporting to senior management.
- Company: Join OSB Group, a leading FTSE 250 mortgage lender focused on diverse market segments.
- Benefits: Enjoy a competitive salary, hybrid working, 28 days holiday, and private medical insurance.
- Why this job: Be part of a transformative project with growth opportunities in a collaborative environment.
- Qualifications: Advanced SAS/SQL skills and experience in retail or consumer finance credit risk required.
- Other info: We value diversity and encourage applications from all backgrounds.
The predicted salary is between 52000 - 78000 £ per year.
About the team
As Portfolio Credit Risk Manager you will join the Risk function at OSB Group, reporting into the Senior Credit Risk Manager. This role will be responsible for creating and updating credit risk reporting, portfolio deep dives, segmentation performance reviews and strategy review. Carrying out regular analysis to support the decision making and policy development across the Underwriting, Collections and Recoveries teams. This role includes the line management responsibility of at least 1 Credit Risk Analyst.
The role is based from our Wolverhampton and we operate a hybrid working policy, we are open to discussions around flexibility.
About Us
The OSB Group is a FTSE 250 specialist mortgage lender, primarily focused on carefully selected segments of the mortgage market.
Our specialist lending is supported by our Kent Reliance and Charter Savings Bank retail savings franchises. Diversification of funding is provided by sophisticated securitisation platforms. OSB’s unique cost-efficient operating model is supported by our wholly-owned subsidiary OSBIndia.
Alongside passion for our products and customers, we\’re passionate about our people and want to continue building a collaborative and engaging environment. Being dedicated to Diversity, Equity and Inclusion, we encourage differences and recognise that individuals from diverse backgrounds and experiences can bring valuable insights and enhance the way we work. This is supported by our Diversity, Community and Environment Employee Engagement Networks and our commitment to the Women in Finance Charter and Women in Leadership Programme.
What you will be doing
In this role, the Portfolio Credit Risk Manager will own and manage the end-to-end execution of both BAU and ad-hoc Credit Risk data processes and analytical exercises for OSB Group. Previous SAS and SQL experience will be essential to aid the reporting and analysis required.
Your responsibilities will include:
With a number of exciting opportunities in this role, you will be part of the transformation project which will create a new operating platform for the business. As the company and team grows, so should you!
In return for your commitment
We offer a base salary dependent on experience between c£65,000 and a competitive benefits package including:
Could you be the one?
We are looking for talented individuals who have the experience and knowledge set out below:
We also believe that your career and how you progress is as unique as your individual personality. We continually support our people so they can become the best version of themselves.
What to do next
If this sounds like you, please apply now! For internal applications please visit the internal careers page to apply.
Alternatively, if you wish to have an informal and confidential chat please get in touch. Contact details can be found on our careers page.
If shortlisted from your initial application we operate a personalised recruitment process. Interviews are a two way street, we aim for them to be relevant and conversational to get the best out of you!
OSB Group are dedicated to diversity in the workplace and committed to treating all our employees and job applicants equally. We embrace equal opportunities and are opposed to discrimination on any grounds.
As part of our public commitment to the Women in Finance Charter, we have introduced our own initiatives to attract, develop and advance senior women in our sector. We don’t stop there though, we have broadened our approach to encourage diversity and inclusion at all levels and in all roles. Our leadership and Executive Committee are right behind us, to the extent that our Diversity Champions sit at Board level and on a monthly basis receive updates on our progress.
Whilst we are an organisation that values face-to-face interaction to build and nourish our culture, we also acknowledge that people are not just productive in an office and tied to the 9 to 5. Flexible-working opportunities are important for establishing a healthy work-life balance so if you see a role of interest we are happy to be asked about flexibility and explore together if we can make it work.
All applicants must have rights to work in the UK and be willing to undertake the relevant pre-employment screening checks should your application be successful.
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Portfolio Credit Risk Manager employer: OSB Group
Contact Detail:
OSB Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Portfolio Credit Risk Manager
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management, especially in retail and consumer finance. This knowledge will help you engage in meaningful conversations during interviews and demonstrate your understanding of the industry.
✨Tip Number 2
Network with professionals in the credit risk field, particularly those who work at OSB Group or similar companies. Attend industry events or join relevant online forums to build connections that could provide insights or referrals.
✨Tip Number 3
Brush up on your SAS and SQL skills, as these are crucial for the role. Consider taking a short course or working on personal projects that allow you to showcase your analytical capabilities using these tools.
✨Tip Number 4
Prepare to discuss your experience in line management and stakeholder engagement. Think of specific examples where you've successfully led a team or influenced decision-making, as these will be key points of interest for the hiring managers.
We think you need these skills to ace Portfolio Credit Risk Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your advanced SAS/SQL and Excel/VBA skills, as well as any relevant qualifications or experience in retail or consumer finance credit risk. Use specific examples to demonstrate your expertise.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the OSB Group. Mention your understanding of credit risk techniques and mortgage lending, and how your background aligns with their needs.
Highlight Line Management Experience: If you have line management experience, be sure to emphasise this in both your CV and cover letter. Discuss how you've successfully managed teams and contributed to their development.
Showcase Stakeholder Management Skills: Provide examples of how you've effectively managed stakeholders in previous roles. This is crucial for the Portfolio Credit Risk Manager position, so make it clear how you can build relationships and communicate effectively.
How to prepare for a job interview at OSB Group
✨Showcase Your Technical Skills
As a Portfolio Credit Risk Manager, you'll need to demonstrate your advanced SAS and SQL skills. Be prepared to discuss specific projects where you've used these tools effectively, and consider bringing examples of your work to the interview.
✨Understand the Company’s Values
OSB Group places a strong emphasis on diversity, equity, and inclusion. Familiarise yourself with their initiatives, such as Women in Finance and Women in Leadership, and be ready to discuss how you can contribute to these values within the team.
✨Prepare for Stakeholder Management Questions
Given the importance of stakeholder management in this role, think about past experiences where you've successfully managed relationships with various stakeholders. Prepare to share specific examples that highlight your communication and negotiation skills.
✨Demonstrate Your Analytical Thinking
The role involves conducting deep dives and generating insights from data. Be ready to discuss your analytical approach, including how you identify areas for analysis and the impact of your findings on decision-making processes.
