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For Companies At a Glance
- Tasks: Manage credit risk and provide insights to improve financial decisions.
- Company: Join BNP Paribas Personal Finance, a global leader in consumer finance.
- Benefits: Enjoy a competitive salary, flexible benefits, and a tailored health plan.
- Why this job: Make a positive impact while developing your career in a supportive environment.
- Qualifications: Experience in SAS Base/SQL and strong analytical skills required.
- Other info: Embrace a culture of positivity and bravery with excellent growth opportunities.
The predicted salary is between 36000 - 60000 £ per year.
Job Description
Job Title: Risk Manager – Partner Finance
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
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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:
Take ownership of the Portfolio Management risk area. Provide Bad Debt forecasts for pricing or loss calculations for month end reporting and budgetary processes to help with portfolio management. BNP Paribas Personal Finance provides credit facilities for a variety of clients. This challenging role helps the business manage and understand the bad debt dynamics of the business for the various products, providing insights into any variances and detrimental customer behaviours.
Key Responsibilities:
- Understand the high level ‘health’ of the portfolio against internal and external benchmark levels and summarise Credit risk trends for monthly MI packs
- Manage the exposure across the portfolio ensuring we have the necessary controls in place to minimise risk
- Deal rapidly with any issues that may have a detrimental effect on the relationship with key retailers
- Identify areas of cost reduction, service and process improvements that will result in adding value to the business whilst treating customers fairly
- Take ownership of the Partner Revenue Committee actions from a Risk perspective
- Liaise with Finance and Marketing teams to deliver analysis to aid business decisions on new strategy
Skills & Attributes:
- Experience in SAS Base / SQL or similar programming language
- Complete understanding of the consumer risk lifecycle
- Very good knowledge of credit bureau data and products
- Prior knowledge of scorecard development and monitoring. Experience in forecasting would be beneficial.
- Ability to generate ideas to challenge existing business practices
- Very strong analytical background to be able to set relevant analysis to answer questions
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.
To learn more about careers at BNP Paribas Personal Finance UK, visit our website: https://www.bnpparibas-pf.co.uk/careers.
Equal Opportunities Disclaimer
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.
Credit Risk Manager employer: BNP Paribas Personal Finance
Contact Detail:
BNP Paribas Personal Finance Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Manager
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their values and how they align with yours. This will help you show that you're not just a fit for the role, but for the team too!
✨Tip Number 3
Practice your responses to common interview questions, especially those related to credit risk management. Use the STAR method (Situation, Task, Action, Result) to structure your answers and showcase your experience effectively.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re genuinely interested in joining our team at BNP Paribas Personal Finance.
We think you need these skills to ace Credit Risk Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Credit Risk Manager. Highlight your experience with SAS Base, SQL, and any relevant forecasting skills. We want to see how your background aligns with our needs!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk management and how you can contribute to our mission at BNP Paribas Personal Finance. Keep it engaging and personal!
Showcase Your Analytical Skills: Since this role requires a strong analytical background, be sure to include specific examples of how you've used data to drive decisions in previous roles. We love seeing how you tackle challenges with numbers!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at BNP Paribas Personal Finance
✨Know Your Numbers
As a Credit Risk Manager, you'll need to be comfortable with data. Brush up on your SAS Base or SQL skills and be ready to discuss how you've used these tools in past roles. Prepare some examples of how your analytical skills have helped manage risk or improve processes.
✨Understand the Portfolio Health
Familiarise yourself with the key metrics that indicate the health of a credit portfolio. Be prepared to talk about how you would assess risk trends and what benchmarks you would use. Showing that you can summarise complex data into actionable insights will impress your interviewers.
✨Showcase Your Problem-Solving Skills
Think of specific instances where you've identified issues that could negatively impact relationships with clients or partners. Discuss how you approached these challenges and what solutions you implemented. This will demonstrate your proactive attitude and ability to own your responsibilities.
✨Align with Company Values
BNP Paribas Personal Finance values positivity, bravery, and ownership. Reflect on how your personal values align with theirs and prepare to share examples that illustrate these traits. This will help you connect with the interviewers and show that you're a good cultural fit for the team.
