Credit Specialist (Motor Finance Underwriting) Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues Contract: Full-time, Permanent About Us Our client is part of a global banking group with a simple mission: to provide straightforward consumer finance solutions that help customers make responsible financial decisions. They partner with leading UK retailers and brands to support their customers finance purchases responsibly. The Role The role of a Credit Specialist is taking responsibility for making lending decisions on high value credit applications received through our partners in the Retail, Revolving, Personal Loans, Home Improvement, and Motor & Leisure sectors. You will contribute to the implementation of Credit Risk, Operational Risk policies, making sure that all conduct risk guidelines are followed. This means taking ownership of the customer or the partner query. Being courteous, professional, and diligent whilst adhering to Operational policies and the framework underpinned by the four Consumer Duty pillars, regulated by the Financial Conduct Authority. Key Responsibilities: Play a major role in making 'best practice' underwriting decisions on high value credit for: Point of sale retail finance Personal Lending Motor Vehicle Finance Leisure Home Improvement Credit Cards L iaise with customers providing a dedicated point of contact for high value referral decisions and maximise accept rates. Assist with potential fraud investigations using CIFAS and Hunter Ensuring that all customer contact activities & underwriting decisions are compliant with all relevant regulatory requirements and internal policies. Liaise with Account Managers and Clients providing a dedicated point of contact for allreferral decisions. Experts in underwriting Motor, Personal Loans, Home Improvements, and high value Retail. Skills & Attributes: A good working knowledge of applicant Credit Bureau data and the ability to analyse this data to make a quality lending decision. Be able to demonstrate the ability to assess an applicant's affordability from various data sources including bank statements and pay slips. An understanding and knowledge of applicant credit scoring methodology Could this be you? Making a positive impact is at the heart of everything our client does. They're looking for people who live by theit values, who are positive, brave, and own it. Don't let confidence hold you back. You don't need to meet every requirement - if you have around 75% of the skills and the right attitude, we'd love to hear from you. What's in it for you Our client is a Top Employer UK, they offer a supportive, inclusive environment and a flexible benefits package that you can tailor to your lifestyle. Highlights include: Competitive salary and comprehensive package, contributory pension, and health cash plan Opportunity to buy/sell holiday giving you even more control over your work-life balance Flexible benefits including private medical insurance and lifestyle discounts A culture that values collaboration, development, and wellbeing Apply now to join a team that makes a real impact. Equal Opportunities We're committed to creating an inclusive workplace and ensuring equal opportunities for all, regardless of age, disability, gender, identity, race, religion, sexual orientation, or background. Data Privacy Notice - The Curve Group The Curve Group is a Recruitment Services and Human Resources business with a mission to transform the working lives of the people and organisations we work with. We collect and process your personal data for the purpose of providing recruitment and related HR services, in line with our legitimate business interests and legal obligations. We will retain your data for two years from the last point of contact, after which it will be securely deleted unless you request otherwise.