At a Glance
- Tasks: Analyse mortgage portfolios 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 and thrive in a dynamic, 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 automated decision-making is essential.
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 in London employer: Focus Search and Selection
Join an innovative mortgage lender that prioritises a collaborative and forward-thinking work culture, where your analytical skills will directly influence lending strategies and credit policies. With a flexible working environment and strong career development opportunities, you'll thrive in a role that leverages modern technology and data to drive impactful decisions within the residential mortgage sector.
Contact Details:
Focus Search and Selection Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Manager in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Focus Search and Selection. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Risk Manager in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Focus Search and Selection.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Focus Search and Selection's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Focus Search and Selection
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Focus Search and Selection.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Focus Search and Selection will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Focus Search and Selection employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
