Jobs

    Senior Manager Financial Risk - Manchester, United Kingdom - MERJE Ltd

    MERJE Ltd
    MERJE Ltd Manchester, United Kingdom

    2 weeks ago

    Default job background
    Description
    If you're passionate about providing great customer experiences and want to be part of building a winning and positive culture, then this is the role for you

    My Client is looking for a Head of Lending Decisioning to lead all aspects of automated lending decisioning across the bank, including designing and implementing credit rules, building bespoke credit scorecards, assessing customer affordability systematically and avoiding non-genuine applications.

    You will be commercially minded, setting risk appetite and pricing approach to deliver sustainable profitable lending whilst keeping the bank safe.

    Report and monitor on automated decisioning performance
    Own risk-based pricing model and approach
    Feedback performance observations and suggest improvements to the wider consumer lending team, including manual underwriting team, collections and customers services
    Assist the finance team with the development of IFRS 9 modelling and provisioning
    Contribute to overall lending strategy and risk appetite of the bank
    Support the data team in the management of customer application data and the technology team with the ongoing management of the decisioning engine
    5 years or more experience in a credit analytics role within regulated financial services, ideally with exposure to consumer lending
    ~ Bachelor's or Master's degree in highly analytical subject (e.g. maths or statistics)
    ~ Highly competent in Excel and SQL, with good working knowledge of Python, SAS or R
    ~ Understanding of Credit Bureau and Open Banking data structures
    ~ Ability to present, interact and articulate clearly with non-technical senior stakeholders
    ~ Passion for managing and developing junior talent and spreading specialist knowledge
    ~ Proven ability to use data to identify issues, tell stories and challenge others' analysis


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