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    Credit Risk Manager - London, United Kingdom - DigiTech Resourcing

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    Description
    Job 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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