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    Credit Risk Manager - London, United Kingdom - DigiTech Resourcing

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    Description

    Credit Risk Manager - Permanent Role

    Financial Services

    London/Remote - 1 day a week in the office

    £85,000 to £100,000 per annum + 20% bonus

    About the Role: As a Credit Risk Manager specializing in Revolving Lending, you'll play a pivotal role in shaping and executing credit risk strategies for the Credit Cards portfolio. This role encompasses both acquisition and existing customer management, with a focus on driving positive customer and business outcomes. Your responsibilities will include strategy development, implementation, ongoing monitoring, and collaboration with various stakeholders across the organization.

    Key Responsibilities:

    • Develop and implement a robust credit risk framework, incorporating risk monitoring and feedback processes to ensure sound decision-making aligned with the Group's risk appetite.
    • Drive optimization of lending decisions through test and learn initiatives, identifying champion strategies for both new acquisitions and existing customers.
    • Explore and integrate new data sources for analysis and decision-making to enhance risk assessment capabilities.
    • Influence stakeholders at all levels of the organization to gain buy-in and support for strategic changes as needed.
    • Support business growth and portfolio profitability by balancing risk, reward, and responsible lending practices while maintaining credit quality and performance.
    • Foster a culture of empowerment and development among colleagues through coaching, mentoring, and knowledge sharing.

    Leadership Responsibilities:

    • Set a clear strategic vision for the Revolving Lending team, integrating acquisition decisioning and existing customer management into a cohesive function.
    • Recruit, develop, and coach team members to ensure a high level of capability, skills, and engagement, fostering a high-performing team environment.
    • Define clear objectives to drive individual and team performance aligned with strategic goals.
    • Establish an inclusive culture that promotes diversity and proactive risk management through robust control frameworks.
    • Share resources to support shared goals and higher priority work, demonstrating pragmatism and support for organizational objectives.

    What Will Make You Stand Out:

    • Previous experience in Credit Risk, preferably with a focus on Credit Cards across the credit life cycle.
    • Demonstrated ability to manage analytical teams, providing strategic direction, prioritizing activities, and maintaining motivation through coaching and development.
    • Strong numerical skills with the ability to translate analytical insights into actionable business strategies.
    • Excellent communication skills with the ability to convey complex ideas to stakeholders and influence decision-making.
    • Proven problem-solving skills with a knack for identifying innovative solutions and opportunities for improvement.
    • Stay informed about the latest regulatory and macro-economic developments and trends impacting the credit industry.
    • Customer-centric mindset with an understanding of how strategies impact broader customer outcomes.

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