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Job ref: c86f9053ca1f4660bd77994c6aa5a131
Full Job Description
Secured Credit Risk team plays a pivotal role in shaping and maintaining our retail mortgage credit risk strategy and portfolio management. The Secured Portfolio Performance and Insight team, part of the broader Secured Credit Risk team, is responsible for providing comprehensive credit risk reporting, portfolio insights, arrears and loss forecasting.
We are seeking a Credit Risk Manager to join our Secured Portfolio Performance and Insight team. The role holder will be responsible for credit risk reporting and management information, portfolio analysis, insights and recommendations. The role offers the opportunity to influence the mortgage lending business across the credit lifecycle and provide valuable insights to the risk management leadership team, risk committees, and the wider business.
What you'll be doing
+ People Leadership: Responsible for leading and managing a high performing team and working collaboratively with stakeholders to deliver the impactful credit risk reporting and insights. Coaching team through their development.
+ Portfolio Analysis and Insights: Manage the delivery of deep dive assessments and mortgage credit portfolio insights to understand existing and emerging risks and opportunities and presenting complex findings in an engaging and articulate manner.
+ Risk Appetite: Manage and deliver the development of Credit Risk Appetite Statement metrics aligned to Credit and organisation strategy to ensure safe and sustainable development of the mortgage portfolio.
+ Benchmarking: Keep abreast of all external developments and asses the Bank's position relative to peers and industry.
+ Strengthening Controls: Manage the development and delivery of a quality control capability to ensure all analysis and insight is completed to the highest standard. This includes working with data teams and other sources of data and reporting to ensure the availability and completeness of the inputs required to support insight.
+ Analytics: Translate business requirements into analytical tasks and providing guidance for specialists and analysts to perform detailed data analysis utilising SAS and other analytical tools, ensuring robust controls in place to ensure accuracy.
+ Data Exploration: Identify and utilise new sources of internal and external data to improve the quality of insights, working with a range of stakeholders to ensure data is understood and used appropriately.
+ Stakeholder Management: Leading engagement across both internal and external stakeholders, deputising for senior manager as required. Presenting complex findings and proposals in an engaging and articulate manner.
+ Continuous Improvement: Drive a culture of continuous improvement, rationalising processes, improving sophistication and driving automation of a comprehensive suite of credit risk portfolio MI.
We need you to have, As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team careers@virginmoney.com
It's important to note that there may be occasions where it's not possible to interview all candidates declaring a disability who meet the essential criteria for the job. In certain recruitment situations such as receiving a high-volume of applications, we may need to limit the overall numbers of interviews offered to both disabled and non-disabled applicants.
Now the legal bit
Living A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it), but we'll need you to confirm you have the right to work in the UK.
If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks - we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.
+ A great working knowledge of management information development and best practice, portfolio assessment and analytical techniques.
+ Strong experience within a credit risk environment, with strong technical abilities in SAS and SQL.
+ Extensive experience in leading projects, guiding analytical professionals and empowering people through coaching, mentoring and sharing expertise and knowledge.
+ An ability to support multiple priorities in a fast-changing environment and prioritise effectively to manage various management team / other stakeholder expectations.
+ Proven experience around creating best-in-class efficient and effective reporting suites, driving improvements and efficiencies in a portfolio management setting.
+ Extremely effective attention to detail, ensuring analytics produced is accurate and robust.
+ A wealth of experience in articulating complex credit risk matters into digestible and actionable insight, with an ability to land a succinct message with senior leaders, using creativity and strong communication skills.
+ Strong communication skills, a track record of building trusted relationships with a wide range of stakeholders at all levels and managing challenge and conflict.
+ A drive to delve past surface level information and understand trends from first principles.
+ Substantial experience in influencing change in a positive and collaborative manner and turn ideas into practical solutions.
It's a bonus if you have but not essential
+ Experience in credit risk portfolio management or strategy.
+ Knowledge or experience using AI/ML in portfolio monitoring.
+ Technical skills in other data management tools / coding languages used for conducting portfolio analytics, such as Python / R etc.
Red Hot Rewards
+ Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time) plus the option to buy more.
+ Up to five extra paid well-being days per year .
+ 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.
+ Market-leading pension.
+ Free private medical cover, income protection and life assurance.
+ Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.
And there's no waiting around, you'll enjoy these benefits from day one.
Feeling insatiably curious about this role? If we're lucky to receive a lot of interest, we may close the advert early and would hate you to miss out.
We're all about helping you Live a Life More Virgin, so happy to talk flexible working with you.
Say hello to Virgin Money
We're making great strides towards achieving our ambition of becoming the UK's best digital bank. As a full-service digital bank with a heritage stretching back over 180 years, we're a workforce to be reckoned with, and we're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We're customer-obsessed and work tirelessly to deliver on our purpose, 'Making You Happier About Money.' This means we're able to do banking differently, and by innovating and working together we can make a real difference by creating memorable moments and red-hot experiences for our millions of customers. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work.
Be yourself at Virgin Money
Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities. We're committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.
We are seeking a Credit Risk Manager to join our Secured Portfolio Performance and Insight team. The role holder will be responsible for credit risk reporting and management information, portfolio analysis, insights and recommendations. The role offers the opportunity to influence the mortgage lending business across the credit lifecycle and provide valuable insights to the risk management leadership team, risk committees, and the wider business.
What you'll be doing
+ People Leadership: Responsible for leading and managing a high performing team and working collaboratively with stakeholders to deliver the impactful credit risk reporting and insights. Coaching team through their development.
+ Portfolio Analysis and Insights: Manage the delivery of deep dive assessments and mortgage credit portfolio insights to understand existing and emerging risks and opportunities and presenting complex findings in an engaging and articulate manner.
+ Risk Appetite: Manage and deliver the development of Credit Risk Appetite Statement metrics aligned to Credit and organisation strategy to ensure safe and sustainable development of the mortgage portfolio.
+ Benchmarking: Keep abreast of all external developments and asses the Bank's position relative to peers and industry.
+ Strengthening Controls: Manage the development and delivery of a quality control capability to ensure all analysis and insight is completed to the highest standard. This includes working with data teams and other sources of data and reporting to ensure the availability and completeness of the inputs required to support insight.
+ Analytics: Translate business requirements into analytical tasks and providing guidance for specialists and analysts to perform detailed data analysis utilising SAS and other analytical tools, ensuring robust controls in place to ensure accuracy.
+ Data Exploration: Identify and utilise new sources of internal and external data to improve the quality of insights, working with a range of stakeholders to ensure data is understood and used appropriately.
+ Stakeholder Management: Leading engagement across both internal and external stakeholders, deputising for senior manager as required. Presenting complex findings and proposals in an engaging and articulate manner.
+ Continuous Improvement: Drive a culture of continuous improvement, rationalising processes, improving sophistication and driving automation of a comprehensive suite of credit risk portfolio MI.
We need you to have, As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team careers@virginmoney.com
It's important to note that there may be occasions where it's not possible to interview all candidates declaring a disability who meet the essential criteria for the job. In certain recruitment situations such as receiving a high-volume of applications, we may need to limit the overall numbers of interviews offered to both disabled and non-disabled applicants.
Now the legal bit
Living A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it), but we'll need you to confirm you have the right to work in the UK.
If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks - we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.
+ A great working knowledge of management information development and best practice, portfolio assessment and analytical techniques.
+ Strong experience within a credit risk environment, with strong technical abilities in SAS and SQL.
+ Extensive experience in leading projects, guiding analytical professionals and empowering people through coaching, mentoring and sharing expertise and knowledge.
+ An ability to support multiple priorities in a fast-changing environment and prioritise effectively to manage various management team / other stakeholder expectations.
+ Proven experience around creating best-in-class efficient and effective reporting suites, driving improvements and efficiencies in a portfolio management setting.
+ Extremely effective attention to detail, ensuring analytics produced is accurate and robust.
+ A wealth of experience in articulating complex credit risk matters into digestible and actionable insight, with an ability to land a succinct message with senior leaders, using creativity and strong communication skills.
+ Strong communication skills, a track record of building trusted relationships with a wide range of stakeholders at all levels and managing challenge and conflict.
+ A drive to delve past surface level information and understand trends from first principles.
+ Substantial experience in influencing change in a positive and collaborative manner and turn ideas into practical solutions.
It's a bonus if you have but not essential
+ Experience in credit risk portfolio management or strategy.
+ Knowledge or experience using AI/ML in portfolio monitoring.
+ Technical skills in other data management tools / coding languages used for conducting portfolio analytics, such as Python / R etc.
Red Hot Rewards
+ Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time) plus the option to buy more.
+ Up to five extra paid well-being days per year .
+ 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.
+ Market-leading pension.
+ Free private medical cover, income protection and life assurance.
+ Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.
And there's no waiting around, you'll enjoy these benefits from day one.
Feeling insatiably curious about this role? If we're lucky to receive a lot of interest, we may close the advert early and would hate you to miss out.
We're all about helping you Live a Life More Virgin, so happy to talk flexible working with you.
Say hello to Virgin Money
We're making great strides towards achieving our ambition of becoming the UK's best digital bank. As a full-service digital bank with a heritage stretching back over 180 years, we're a workforce to be reckoned with, and we're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We're customer-obsessed and work tirelessly to deliver on our purpose, 'Making You Happier About Money.' This means we're able to do banking differently, and by innovating and working together we can make a real difference by creating memorable moments and red-hot experiences for our millions of customers. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work.
Be yourself at Virgin Money
Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities. We're committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.
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www.jobs24.co.uk/job/secured-credit-risk-manager-virgin-money-opportunities-124918447