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For Companies At a Glance
- Tasks: Manage credit risk and provide insights to improve portfolio health.
- Company: Join BNP Paribas Personal Finance, a leading global banking group.
- Benefits: Enjoy a competitive salary, flexible benefits, and a tailored lifestyle package.
- Why this job: Make a real impact on financial decisions and customer experiences.
- Qualifications: Experience in SAS Base/SQL and strong analytical skills required.
- Other info: Flexible hybrid working model with excellent career growth opportunities.
Recruitment Partner at BNP Paribas Personal Finance Via The Curve Group
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
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.
Learn more about careers
To learn more about careers at BNP Paribas Personal Finance UK, visit our website: https://www.bnpparibas-pf.co.uk/careers.
Equal Employment Opportunity Statement
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 stand out and show that you're genuinely interested in being part of their team.
✨Tip Number 3
Practice your responses to common interview questions, but keep it natural. Use the STAR method (Situation, Task, Action, Result) to structure your answers and highlight your achievements effectively.
✨Tip Number 4
Don’t forget to follow up after your interview! A simple thank-you email can leave a lasting impression and shows your enthusiasm for the role. Plus, it keeps you on their radar as they make their decision.
We think you need these skills to ace Credit Risk Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Manager role. Highlight relevant experience and skills that match the job description, like your analytical background and knowledge of credit bureau data.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your experience aligns with BNP Paribas Personal Finance's mission. Keep it concise but impactful.
Showcase Your Skills: Don’t forget to mention your experience with SAS Base or SQL, as well as any forecasting skills. These are key for the role, so make them stand out in your application!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It’s the best way to ensure your application gets the attention it deserves. Plus, you’ll find more info about us there!
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 you've forecasted bad debt or analysed credit risk trends.
✨Understand the Business
Familiarise yourself with BNP Paribas Personal Finance's mission and values. Be prepared to discuss how you can contribute to their goal of empowering customers through responsible finance. Show that you understand the consumer risk lifecycle and how it impacts portfolio management.
✨Prepare for Scenario Questions
Expect questions that assess your problem-solving skills. Think about potential issues that could arise in managing credit risk and how you would address them. Have a few scenarios ready where you've successfully identified risks and implemented solutions.
✨Show Your Analytical Side
Highlight your analytical background by discussing specific analyses you've conducted in previous roles. Be ready to explain how your insights led to cost reductions or process improvements. This will demonstrate your ability to add value to the business while treating customers fairly.
