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- Tasks: Manage credit risk for a growing mortgage portfolio and enhance risk modelling.
- Company: Dynamic Financial Services business focused on sustainable lending.
- Benefits: Up to £57,000 salary, bonus, strong pension, and flexible working options.
- Why this job: Join a purpose-driven team and make a real impact in financial services.
- Qualifications: Experience in mortgage credit risk and strong analytical skills.
- Other info: Fast-growing company with excellent development opportunities and hybrid working model.
The predicted salary is between 43200 - 72000 £ per year.
I am exclusively partnering with a growing Financial Services business to recruit a newly created Credit Risk Manager for their mortgage portfolio. They are known for its purpose driven approach, balancing strong growth with sustainable and responsible lending. There is a strong risk culture with mature frameworks across credit, operational, compliance, and financial crime and they are currently undergoing digital transformation, improving modelling and MI capabilities.
The role offers flexible working, full time or part time 4 days a week, and reports into a mature 2nd line risk function.
The Role
- This is a hands on 2nd line credit risk role, working directly with a small, but growing mortgage book.
- The focus is on building and improving MI, enhancing risk modelling, and supporting ICAAP reporting.
- You will collaborate with distribution and product teams, providing credit insight, challenge, and analysis.
- Review and manage credit risk within the mortgage portfolio.
- Support MI and data improvements as part of digital transformation.
- Work with distribution and product teams to support lending decisions.
- Contribute to ICAAP, risk monitoring, and reporting.
- Help strengthen frameworks and controls, while taking a practical, hands on approach.
The Ideal Candidate
- Experience in mortgage credit risk.
- Strong technical knowledge of risk frameworks, ICAAP, and MI development.
- Commercial mindset, able to balance risk and lending objectives.
- Comfortable working hands on with distribution and product teams.
- Analytical, proactive, and able to work in a small, collaborative team.
Salary range up to £57,000 + bonus, strong pension contribution and other benefits. Fast growing business with development opportunity. Hybrid Working model (2 days a week in the office).
Credit Risk Manager employer: Distinct | B Corp
Contact Detail:
Distinct | B Corp 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 your connections in the financial services sector, especially those who know about credit risk. A friendly chat can lead to insider info on job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your technical knowledge of risk frameworks and ICAAP. We recommend practising common interview questions related to mortgage credit risk so you can showcase your expertise confidently.
✨Tip Number 3
Don’t underestimate the power of follow-ups! After an interview, drop a quick thank-you email to express your appreciation. It keeps you fresh in their minds and shows your enthusiasm for the role.
✨Tip Number 4
Apply through our website for the best chance at landing that Credit Risk Manager role. We’re all about connecting talent with opportunity, and we want to see your application shine!
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 Credit Risk Manager role. Highlight your experience in mortgage credit risk and any relevant technical knowledge of risk frameworks. We want to see how you can balance risk and lending objectives!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about this role and how your skills align with our purpose-driven approach. Don’t forget to mention your experience with MI development and ICAAP reporting.
Showcase Your Analytical Skills: In your application, give examples of how you've used your analytical skills in previous roles. We love candidates who can provide credit insight and challenge decisions, so make sure to highlight those experiences!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates from our team!
How to prepare for a job interview at Distinct | B Corp
✨Know Your Risk Frameworks
Make sure you brush up on your knowledge of risk frameworks, especially those related to mortgage credit risk. Be ready to discuss how you've applied these frameworks in previous roles and how they can be enhanced in the new position.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical prowess. Bring examples of how you've improved MI or contributed to ICAAP reporting in the past. This will show that you can handle the hands-on aspects of the role effectively.
✨Understand the Digital Transformation
Familiarise yourself with the company's digital transformation initiatives. Be prepared to discuss how you can support MI and data improvements, and share any relevant experiences you've had with similar projects.
✨Collaborate and Communicate
Since the role involves working closely with distribution and product teams, think of examples where you've successfully collaborated in a team setting. Highlight your communication skills and how you can provide valuable credit insights to support lending decisions.