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Credit Risk Manager- Vehicle/ Motor Finance, slough
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Client:
MERJE
Location:
slough, United Kingdom
Job Category:
Other
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EU work permit required:
Yes
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Job Views:
3
Posted:
22.08.2025
Expiry Date:
06.10.2025
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Job Description:
Credit Risk Manager- Vehicle/ Motor Finance
Up to £100K
Hybrid working (London)
*Vehicle/Motor Finance experience is essential*
Key Responsibilities:
* Establish a credit risk framework – incorporating risk monitoring and feedback processes – to ensure appropriate decisioning for both customers and the business
* Driving the optimisation of lending decisions through test and learn initiatives to identify champion strategies for new customers
* Investigating and developing new data sources to be used for analysis and decisioning
* Influencing stakeholders – ranging from peers to Senior Management – to gain buy-in and support to deliver change as required
* Supporting business growth and portfolio profitability – ensuring a balance between risk, reward and responsible lending – while controlling credit quality and performance
* Providing colleagues with opportunities to succeed, devoting dedicated time to empowering people through coaching, mentoring and sharing expertise and knowledge
* Presenting clear and concise results (both written and verbal) using aggregated data, highlighting key trends, opportunities/risks and recommendations
* Liaising closely with commercial teams to provide recommendations that enhance decisioning, for the objective of improving both customer and business outcomes
* Driving continuous improvement of credit risk strategies for Vehicle Finance, supporting strategic objectives for growth while minimising impairment and conduct risks
Key Requirements:
* Credit Risk experience – in consumer credit, specialising in Vehicle Finance
* Strong numerical capability with experience in converting analytical information into a business narrative through strong commercial acumen
* Communication – ability to articulate complex ideas to stakeholders in order to influence or persuade
* Problem solving – finding innovative ways to address issues or risks identified, or discovering opportunities to enhance existing strategies
* Management – Experience of managing an analytical team, prioritising activities while providing strategic direction and maintaining motivation through coaching and colleague development
* Keeps up to date with latest regulatory and macro-economic developments and trends
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