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- Tasks: Manage credit risk strategies and ensure fair lending practices.
- Company: Join BNP Paribas Personal Finance, a global leader in consumer finance solutions.
- Benefits: Enjoy flexible working, competitive salary, health plans, and lifestyle perks.
- Why this job: Make a positive impact while developing your career in a supportive environment.
- Qualifications: Experience in Risk Analysis, strong analytical skills, and knowledge of credit data required.
- Other info: We value diverse backgrounds and encourage applicants with transferable skills.
The predicted salary is between 36000 - 60000 £ per year.
Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues.
Hours: Full time, Permanent.
A bit about us: At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.
The Role: As Risk Manager, you’ll own the day-to-day management of the credit risk strategies and associated controls for Consumer Finance, ensuring lending aligns with business standards and fair customer outcomes. You will review and enhance credit risk controls and strategies, including monitoring performance against key risk indicators. You will own and manage an ongoing programme of analysis to support agreed business requirements for acquisition & customer management credit risk – setting and reviewing score cut-offs and risk-based pricing, new loan strategies, life-time loss and predicted bad rate modelling and affordability assessments.
Key Responsibilities:
- Manage asset quality and credit risk strategies across Consumer Finance portfolios, ensuring alignment with risk appetite and presenting insights to senior management.
- Own and maintain credit risk policies and documentation within account opening and management systems, supporting operational teams while protecting customer outcomes.
- Lead initiatives to identify safe growth opportunities without compromising credit quality, delivering strategic insights and updates on policy changes to key stakeholders.
- Produce and manage regular and ad-hoc reporting for governance forums, highlighting key trends, performance, and recommended actions.
- Manage the day-to-day relationship with Credit Reference Agencies.
- Share knowledge of credit risk management across internal teams, contribute to cross-functional projects and deputise for the Head of Risk when required.
Skills & Attributes:
- Proven experience working in a Risk Analysis role at a Senior level within unsecured lending.
- Complete understanding of the consumer risk lifecycle.
- Excellent analytical and communication skills.
- High level of accuracy and attention to detail.
- Able to take initiative and ownership of work.
- Experience working with SAS, Excel & SQL.
- Very good knowledge of credit bureau data.
What’s in it for you? Joining BNP Paribas Personal Finance means becoming part of a Top Employer UK dedicated to making a difference to the lives of our customers. Along with a fulfilling career, you’ll be able to enjoy a benefits package which you can tailor to your lifestyle and needs, with key highlights including:
- Competitive salary and a contributory pension scheme.
- Access to our Health Cash Plan Scheme.
- A multi-award-winning flexible benefits platform offering life insurance, private medical insurance, or lifestyle benefits that include discounts on dining, cinema, and days out.
- The opportunity to buy and sell holidays, giving you even more control over your work-life balance.
Could this be you? Making a positive impact is at the heart of everything we do – whether for our colleagues, customers, partners, or the community. We live by our values: We’re positive, we’re brave, and we own it. We believe a positive attitude and a passion for making things happen matter most. Don’t let confidence hold you back – there’s no such thing as a ‘perfect’ candidate. If you meet 75% of the requirements for this role, we want to hear from you! Whether you’re considering a career change or exploring a sector jump, we welcome applicants with transferable skills. Apply now to express your interest and discover how you can make a meaningful contribution to our dynamic team.
BNP Paribas Personal Finance promotes equality of opportunity and is committed to ensure that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation.
Risk Manager – Consumer Finance employer: BNP Paribas Group
Contact Detail:
BNP Paribas Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Risk Manager – Consumer Finance
✨Tip Number 1
Familiarise yourself with the consumer risk lifecycle and current trends in credit risk management. This knowledge will help you engage in meaningful conversations during interviews and demonstrate your understanding of the role.
✨Tip Number 2
Network with professionals in the finance and risk management sectors. Attend industry events or join relevant online forums to connect with others who can provide insights or even refer you to opportunities at BNP Paribas Personal Finance.
✨Tip Number 3
Brush up on your analytical skills, particularly with tools like SAS, Excel, and SQL. Being able to showcase your proficiency in these areas can set you apart from other candidates and show that you're ready to hit the ground running.
✨Tip Number 4
Prepare to discuss how you've successfully managed credit risk strategies in previous roles. Use specific examples to illustrate your experience and how it aligns with the responsibilities outlined in the job description.
We think you need these skills to ace Risk Manager – Consumer Finance
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in risk analysis, particularly within unsecured lending. Emphasise your analytical skills and familiarity with tools like SAS, Excel, and SQL.
Craft a Compelling Cover Letter: In your cover letter, express your passion for consumer finance and how your values align with those of BNP Paribas Personal Finance. Mention specific examples of how you've positively impacted credit risk strategies in previous roles.
Highlight Key Skills: Clearly outline your understanding of the consumer risk lifecycle and your experience with credit bureau data. Use bullet points to make these skills stand out, ensuring they are easy to spot.
Showcase Your Initiative: Provide examples of when you've taken ownership of projects or initiatives in your previous roles. This will demonstrate your proactive approach and ability to lead, which is crucial for the Risk Manager position.
How to prepare for a job interview at BNP Paribas Group
✨Understand the Consumer Risk Lifecycle
Make sure you have a solid grasp of the consumer risk lifecycle. Be prepared to discuss how your experience aligns with managing credit risk strategies and how you can contribute to improving asset quality.
✨Showcase Your Analytical Skills
As a Risk Manager, analytical skills are crucial. Bring examples of how you've used data analysis in previous roles, particularly with tools like SAS, Excel, and SQL, to drive decision-making and improve risk management.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions that assess your problem-solving abilities. Think about past experiences where you identified growth opportunities while maintaining credit quality, and be ready to share those insights.
✨Demonstrate Communication Skills
Effective communication is key in this role. Be prepared to explain complex risk concepts clearly and concisely, as you'll need to present insights to senior management and collaborate with various teams.
