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- Tasks: Lead credit risk decisions and manage relationships in Premium Finance.
- Company: Join a top financial services institution shaping the future of finance.
- Benefits: Enjoy competitive salary, professional development, and a collaborative work culture.
- Why this job: Make a real impact on risk management while fostering team growth and innovation.
- Qualifications: Extensive credit risk experience and strong understanding of financial products required.
- Other info: Opportunity to drive strategic projects and enhance underwriting operations.
The predicted salary is between 43200 - 72000 £ per year.
A leading financial services institution is seeking an experienced credit risk professional to lead its Premium Finance underwriting function. This is a senior-level role within the second line of defence, responsible for overseeing credit decisions and providing strategic risk input across the Premium Finance business.
As a trusted subject matter expert, you'll play a key role in shaping credit risk standards and advising on broker and insurer relationships, ensuring alignment with risk appetite and regulatory expectations.
- Make and review credit decisions for Premium Finance transactions, ensuring decisions are timely, well-articulated, and meet quality standards.
- Maintain and evolve credit risk frameworks and policies across the Premium Finance portfolio.
- Oversee quality assurance processes and proactively manage in-life credit risk exposures.
- Lead the management of insurer and broker relationships, including monitoring performance, setting credit limits, and ensuring contractual compliance.
- Actively contribute to risk-related forums and cross-functional teams, supporting the development of new initiatives and risk management strategies.
- Foster strong internal relationships with commercial teams and external brokers, supporting business growth while maintaining robust risk oversight.
- Provide expert guidance and training to underwriting and business teams on credit risk matters.
- Manage and develop a team of credit professionals, promoting a high-performance culture that values diversity, learning, and collaboration.
- Drive continuous improvement in underwriting operations and contribute to strategic risk projects, including affordability modelling and IFRS9 implementation.
Extensive credit risk experience within financial services, with a strong track record in underwriting and portfolio management for Commercial and SME clients. Deep understanding of banking and/or insurance products. Solid grasp of legal, documentation, and security aspects of financial transactions. Comfortable influencing and building relationships across internal and external stakeholders. Familiarity with credit risk systems and modelling tools.
Contact Detail:
InterQuest Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Languages (Spanish and French)
✨Tip Number 1
Network with professionals in the financial services sector, especially those involved in credit risk and underwriting. Attend industry events or webinars to connect with potential colleagues and learn about the latest trends in credit risk management.
✨Tip Number 2
Familiarise yourself with the specific credit risk frameworks and policies used in Premium Finance. Understanding these will not only help you in interviews but also demonstrate your commitment to the role and the organisation's standards.
✨Tip Number 3
Prepare to discuss your experience in managing insurer and broker relationships. Be ready to share examples of how you've successfully influenced stakeholders and maintained compliance in previous roles.
✨Tip Number 4
Showcase your leadership skills by highlighting any experience you have in developing teams and fostering a high-performance culture. Be prepared to discuss how you promote diversity and collaboration within your team.
We think you need these skills to ace Head of Languages (Spanish and French)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your extensive credit risk experience, particularly in underwriting and portfolio management. Emphasise your familiarity with banking and insurance products, as well as any relevant legal and documentation knowledge.
Craft a Compelling Cover Letter: In your cover letter, clearly articulate your understanding of the role and how your background aligns with the responsibilities outlined. Mention specific examples of how you've shaped credit risk standards or managed insurer relationships in previous roles.
Highlight Leadership Experience: Since this is a senior-level position, be sure to showcase your experience in managing and developing teams. Discuss how you fostered a high-performance culture and contributed to team learning and collaboration.
Demonstrate Strategic Thinking: Provide examples in your application that demonstrate your ability to contribute to strategic risk projects and initiatives. Highlight any experience you have with continuous improvement in underwriting operations or risk management strategies.
How to prepare for a job interview at InterQuest Group
✨Showcase Your Expertise
As a candidate for the Head of Languages role, it's crucial to demonstrate your extensive credit risk experience. Be prepared to discuss specific examples from your past roles where you've successfully managed underwriting processes and shaped credit risk standards.
✨Understand the Business
Familiarise yourself with the financial services institution's Premium Finance business model. Research their products and services, and be ready to articulate how your skills can align with their strategic goals and risk appetite.
✨Highlight Relationship Management Skills
This role involves managing relationships with insurers and brokers. Prepare to discuss your approach to building and maintaining these relationships, including any challenges you've faced and how you overcame them.
✨Emphasise Leadership and Team Development
As you'll be managing a team of credit professionals, it's important to convey your leadership style. Share examples of how you've fostered a high-performance culture, promoted diversity, and encouraged collaboration within your teams.