At a Glance
- Tasks: Analyse mortgage performance and optimise credit strategies using data-driven insights.
- Company: Innovative mortgage lender with a focus on growth and collaboration.
- Benefits: Flexible working, strong career development, and the chance to influence lending strategies.
- Other info: Join a skilled team in a dynamic and evolving market.
- Why this job: Make a real impact on lending decisions in a modern, tech-driven environment.
- Qualifications: Experience in credit risk, analytics, and using tools like SQL or Python.
The predicted salary is between 60000 - 80000 £ per year.
We're supporting an innovative and rapidly growing mortgage lender in the search for a Credit Risk Manager to join their expanding Risk function. This is a highly analytical role, offering the opportunity to influence lending decisions, credit policy, affordability assessments, and automated decision-making within a modern residential mortgage environment.
Working closely with stakeholders across Risk, Underwriting, Product, and Technology, you'll be responsible for analysing mortgage portfolio performance, identifying emerging trends and risks, and helping to optimise credit strategies through data-driven insight.
The Role
You'll play a key role in the ongoing development and enhancement of the lender's credit risk framework, using data and analytics to ensure lending remains both commercially competitive and aligned with the organisation's risk appetite. Key areas of focus will include:
- Analysing residential mortgage portfolio performance to identify trends, risks, and opportunities.
- Developing and refining credit scoring strategies and automated credit decisioning processes.
- Monitoring and reviewing credit score cut-offs, lending criteria, and risk segmentation.
- Supporting the development of residential affordability models and affordability assessment frameworks.
- Producing data-driven recommendations to improve lending performance and portfolio quality.
- Using analytical tools and large data sets to evaluate customer behaviour and credit outcomes.
- Working with internal stakeholders to implement and optimise credit risk strategies.
About You
We're keen to speak with individuals who have experience in:
- Credit Risk, Credit Analytics, Credit Strategy, or Portfolio Analytics within residential mortgages.
- Mortgage portfolio performance analysis and credit risk reporting.
- Automated credit decisioning and credit strategy development.
- Credit scoring methodologies, scorecard management, and score cut-off optimisation.
- Residential affordability modelling and affordability assessment frameworks.
- Using analytical tools such as SQL, Python, SAS, or similar data analysis platforms.
- Translating complex data into clear commercial and risk-based recommendations.
Why Apply?
Join a forward-thinking lender operating within a growing and evolving market. Have genuine influence over lending strategy and credit policy. Work with modern technology, data, and decisioning tools. Flexible working environment with strong career development opportunities. Be part of a collaborative and highly skilled risk team.
Credit Risk Manager employer: Focus Search and Selection
Join a forward-thinking mortgage lender that prioritises innovation and growth, offering a dynamic work environment where your analytical skills can directly influence lending strategies and credit policies. With a strong emphasis on employee development, you will have access to flexible working arrangements and the opportunity to collaborate with a highly skilled team, ensuring your contributions are valued and impactful in shaping the future of residential mortgages.
Contact Details:
Focus Search and Selection Recruitment Team
