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- Tasks: Manage credit risk data processes and analyses, reporting to senior management.
- Company: Join OSB Group, a leading FTSE 250 mortgage lender focused on diverse market segments.
- Benefits: Enjoy a competitive salary, hybrid working, 28 days holiday, and private medical insurance.
- Why this job: Be part of a transformative project with growth opportunities in a collaborative environment.
- Qualifications: Advanced SAS/SQL skills and experience in retail or consumer finance credit risk required.
- Other info: We value diversity and encourage applications from all backgrounds.
The predicted salary is between 52000 - 78000 £ per year.
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Client:
OSB Group
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Job Category:
Other
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Job Reference:
92547a859da9
Job Views:
12
Posted:
12.08.2025
Expiry Date:
26.09.2025
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Job Description:
About the team
As Portfolio Credit Risk Manager, you will join the Risk function at OSB Group, reporting to the Senior Credit Risk Manager. This role involves creating and updating credit risk reports, conducting portfolio deep dives, segmentation reviews, and strategy assessments. You will perform regular analyses to support decision-making and policy development across Underwriting, Collections, and Recoveries teams. The role includes line management of at least one Credit Risk Analyst.
The position is based in Wolverhampton with a hybrid working policy; flexibility can be discussed.
About Us
The OSB Group is a FTSE 250 mortgage lender focusing on selected market segments. Our lending is supported by retail savings franchises and securitisation platforms, with operational support from OSBIndia. We value diversity and inclusion, fostering a collaborative environment and supporting initiatives like Women in Finance and Women in Leadership.
What you will be doing
The Portfolio Credit Risk Manager will oversee end-to-end credit risk data processes and analyses, requiring strong SAS and SQL skills. Responsibilities include:
- Providing MI updates to Senior Management and Credit Risk Committee
- Running critical data processes ensuring governance compliance
- Leading Credit Risk Analytical projects across all products and brands
- Managing affordability underwriting tools and valuation procedures
- Handling Regulatory Data requests
- Supporting Risk Appetite settings and Early Warning Indicators
- Identifying areas for analytical deep dives and insights
This role offers exciting opportunities, including involvement in a transformation project to establish a new operating platform, with growth prospects aligned with the company\’s expansion.
In return for your commitment
We offer a salary dependent on experience (around £65,000) and benefits such as:
- Up to 15% discretionary bonus
- 28 days annual leave plus bank holidays
- Private Medical Insurance, Medical Cash Plan
- Maternity & Adoption Leave (100% for 13 weeks, then 50%)
- Paternity Leave (4 weeks)
- Additional benefits: Hybrid working, Cycle Purchase, Technology Purchase, Season Ticket Loan, Employee Perk Portals, Payroll giving, Save as you Earn
Could you be the one?
Ideal candidates will have:
- Advanced SAS/SQL and Excel/VBA skills for MI reporting and analysis
- Mathematical qualification or equivalent experience
- Experience in Retail/Consumer Finance Credit Risk
- Knowledge of credit risk lifecycle and analytical techniques
- Strong stakeholder management and communication skills
- Desirable: mortgage lending experience and line management experience
We support individual career growth and development.
What to do next
If interested, apply now! For internal applicants, please visit the internal careers page. For a confidential chat, contact us via the careers page. Our recruitment process is personalized and conversational.
We are committed to diversity and equal opportunities. We promote inclusion at all levels and support flexible working arrangements.
Applicants must have the right to work in the UK and consent to pre-employment checks.
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Portfolio Credit Risk Manager employer: OSB Group
Contact Detail:
OSB Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Portfolio Credit Risk Manager
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management, especially in retail and consumer finance. This knowledge will help you engage in meaningful conversations during interviews and demonstrate your understanding of the industry.
✨Tip Number 2
Network with professionals in the credit risk field, particularly those who work at OSB Group or similar companies. Attend industry events or join relevant online forums to build connections that could provide insights or referrals.
✨Tip Number 3
Brush up on your SAS and SQL skills, as these are crucial for the role. Consider taking a short course or working on personal projects that allow you to showcase your analytical capabilities using these tools.
✨Tip Number 4
Prepare to discuss your experience in line management and stakeholder engagement. Think of specific examples where you've successfully led a team or influenced decision-making, as these will be key points of interest for the hiring managers.
We think you need these skills to ace Portfolio Credit Risk Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your advanced SAS/SQL and Excel/VBA skills, as well as any relevant qualifications or experience in retail or consumer finance credit risk. Use specific examples to demonstrate your expertise.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the OSB Group. Mention your understanding of credit risk techniques and mortgage lending, and how your background aligns with their needs.
Highlight Line Management Experience: If you have line management experience, be sure to emphasise this in both your CV and cover letter. Discuss how you've successfully managed teams and contributed to their development.
Showcase Stakeholder Management Skills: Provide examples of how you've effectively managed stakeholders in previous roles. This is crucial for the Portfolio Credit Risk Manager position, so make it clear how you can build relationships and communicate effectively.
How to prepare for a job interview at OSB Group
✨Showcase Your Technical Skills
As a Portfolio Credit Risk Manager, you'll need to demonstrate your advanced SAS and SQL skills. Be prepared to discuss specific projects where you've used these tools effectively, and consider bringing examples of your work to the interview.
✨Understand the Company’s Values
OSB Group places a strong emphasis on diversity, equity, and inclusion. Familiarise yourself with their initiatives, such as Women in Finance and Women in Leadership, and be ready to discuss how you can contribute to these values within the team.
✨Prepare for Stakeholder Management Questions
Given the importance of stakeholder management in this role, think about past experiences where you've successfully managed relationships with various stakeholders. Prepare to share specific examples that highlight your communication and negotiation skills.
✨Demonstrate Your Analytical Thinking
The role involves conducting deep dives and generating insights from data. Be ready to discuss your analytical approach, including how you identify areas for analysis and the impact of your findings on decision-making processes.
