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- Tasks: Lead credit risk management and develop strategies to mitigate risks.
- Company: Join Together, a trusted mortgage lender with over 50 years of experience.
- Benefits: Enjoy a supportive work culture with opportunities for growth and development.
- Why this job: Make a real impact in financial decision-making while working with a diverse team.
- Qualifications: Experience in credit risk management and proficiency in analytical software like SQL or Python required.
- Other info: We celebrate diversity and encourage applicants from all backgrounds to apply.
The predicted salary is between 43200 - 72000 £ per year.
We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans. We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t. Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.
As a Senior Credit Risk Manager you will be responsible for the second line management of credit risk for the business. You will develop credit risk policies and related standards. You will provide oversight and assurance to the Executive and Board that credit risk is being managed within risk appetite. Working with the Head of Credit Risk, you will develop credit strategies based on credit scores and cost of risk, integrating new data sources as they are developed.
As a Senior Credit Risk Manager we are looking for someone to:
- Work closely with the Credit Risk Manager and the first line team to compare Together's lending approach to our peers to identify areas where pockets of credit risk could be developing, highlighting these through governance and recommending appropriate controls.
- Produce Credit Risk profiles along with in-depth analysis on the credit performance of the loan book for the Exec and Board Risk committees.
- Work with the first line to ensure all material credit risks have been identified and mitigating actions have been defined and progressed.
- Set, via the board, credit risk appetites; identifying and managing portfolio level credit risks, key exposures and concentration risks.
- Horizon scan for emerging credit risks and develop forecasting models.
- Work closely with the Manager of Credit Risk (ECL and Scorecard Modelling) to align ECL provisions and credit risk management and develop the use of cost of risk across the business.
Qualifications
Essential:
- Senior Credit Risk Management experience within a secured lender.
- Experience with analytical software, e.g. SQL, Python.
- A solid grounding in data analysis using quantitative analytic tools and good research skills.
- Excellent communication skills to articulate complex issues/analysis to Senior Management and interact with other teams across the business.
If you feel you have some of the skills mentioned above, but not all, please do still apply and we would be happy to have a further discussion with you in regards to your suitability for the role.
Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
If you feel you’d benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.
Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.
Seniority level: Mid-Senior level
Employment type: Full-time
Job function: Finance
Senior Credit Risk Manager employer: Together - loans, mortgages & finance
Contact Detail:
Together - loans, mortgages & finance Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Manager
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management, especially within secured lending. This will not only help you understand the industry better but also allow you to speak confidently about how your experience aligns with Together's approach during interviews.
✨Tip Number 2
Network with professionals in the credit risk field, particularly those who work in similar roles or companies. Engaging with them on platforms like LinkedIn can provide insights into the company culture and expectations, which you can leverage in your discussions with us.
✨Tip Number 3
Prepare to discuss specific examples of how you've developed credit risk policies or managed credit risk appetites in your previous roles. Being able to articulate these experiences clearly will demonstrate your capability and fit for the Senior Credit Risk Manager position.
✨Tip Number 4
Stay updated on the regulatory environment affecting credit risk management. Understanding current regulations will show that you are proactive and knowledgeable, making you a more attractive candidate for the role at Together.
We think you need these skills to ace Senior Credit Risk Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in credit risk management, particularly within secured lending. Use specific examples that demonstrate your analytical skills and familiarity with tools like SQL and Python.
Craft a Compelling Cover Letter: In your cover letter, express your passion for the role and the company. Discuss how your background aligns with their needs, especially your ability to develop credit risk policies and manage risks effectively.
Showcase Communication Skills: Since excellent communication is essential for this role, provide examples in your application of how you've successfully articulated complex issues to senior management or collaborated with cross-functional teams.
Highlight Continuous Learning: Mention any ongoing professional development or training related to credit risk management. This shows your commitment to staying updated on industry trends and emerging risks, which is crucial for the position.
How to prepare for a job interview at Together - loans, mortgages & finance
✨Know Your Numbers
As a Senior Credit Risk Manager, you'll need to demonstrate your analytical skills. Be prepared to discuss specific credit risk metrics and how you've used data analysis tools like SQL or Python in your previous roles.
✨Understand the Company’s Approach
Familiarise yourself with Together's lending philosophy and how it compares to other lenders. This will help you articulate how your experience aligns with their approach and how you can contribute to identifying and managing credit risks.
✨Prepare for Scenario Questions
Expect questions that assess your ability to handle emerging credit risks and develop forecasting models. Think of examples from your past experience where you've successfully navigated similar challenges.
✨Communicate Clearly
You’ll need to explain complex analyses to senior management. Practice summarising your findings in a clear and concise manner, focusing on the implications for credit risk management and decision-making.
