SCUK Analytics and Oversight ManagerSCUK Analytics and Oversight Manager
Country: United Kingdom
Santander Consumer Finance UK (SCUK) is based in Redhill, Surrey and provides motor finance to a network of car dealerships throughout the United Kingdom. We are pleased to share that we are currently looking for an Analytics and Oversight Manager to join our Retail Risk Department working on a hybrid basis (with a minimum of 3 days a week in the office).
Reporting to the Head of Retail Risk, and leading a team of 2, you will manage, own, understand, explain movements in the Credit market. You will also manage quality monitoring and oversight of Credit Risk requirements translated from the CPD and ensure systems align with SCUK's policies.
Main responsibilities will include:
1. To develop and maintain an integrated programme to identify, assess, manage and report Credit risk and controls enabling the achievement of strategic objectives and supporting the SCUK's corporate goals within agreed risk appetite constraints. Ensuring the area operates effectively in adherence to the internal policies of the bank and legislative/regulatory guidelines of relevant external authorities
2. Developing people's potential and being a good coach. Gives effective individual feedback and is an active listener. Manages and evaluates people in an objective manner. Encourages others by supporting them and celebrating success
3. To lead, motivate and develop teams to perform effectively and to deliver a culture of technical and personal development and excellence in industry practices
4. To manage the credit portfolios to ensure they operate with their agreed Credit risk appetite(s) at all times, apportioning as appropriate between its differing sub-portfolios to ensure that the Board's objectives are met
5. Taking action to align the organisation around the client and the Group's mutual success. Acts to develop customer relationships and seeks to exceed client's expectations. Leads others to actively manage new business opportunities, improve service quality and exceed customer expectations
6. To optimise the Credit risk reward equation, track, identify and quantify changes in actual and predicted credit, ie performance etc; highlight all relevantmercial, cultural, reputational implications etc; advise the Board and stakeholders of potential consequences in a timely and proactive manner and gain agreement to & implement actions to resolve or mitigate potential risks
7. To develop a culture where SCUK credit risk is ingrained throughout the business by driving the development of industry leading approaches that ensure all legal, operational, reputational, audit andmercial obligations etc are met
8. To manage relationships with internal stakeholders to ensure their understanding of credit risk; promoting and educating the business in relation to suitability,merciality, limitations, impact, and obligations through the whole customer lifecycle and in the context of the current or anticipated wider economic environment
9. To build and manage relationships with external stakeholders including the PRA & FCA and other Regulators to develop enduring relationships for the effective operation of the Bank. (this includes providing industry expertise and guidance to the business with respect to market dynamics, risk tools and methodologies)
We're looking for someone with:
10. Significant experience in broad spectrum of retail businesses including high & low automated environments and customer /product focus
11. Experience of working alongside key suppliers: internal, external,ernance and application bodies, CRAs, etc.
12. A strong understanding of cultural alignment to the operating environment, particularly the supply and utilisation of data to support decision making, information-based decision and assessment tools
13. Experience of working with the PRA & FCA regulatory environment associated with banking activities to ensurepliance with regulatory requirements, with particular focus on the retail banking environment in the UK
Desirable Skills/experience, but not essential:
14. Proven track record of leadership at a senior level in Retail Financial Services focused on Retail Banking with significant experience of a range of retail segments
15. In depth understanding of the Credit Risk analysis tools & techniques used throughout the credit lifecycle, including their limitations
16. Experience of working with automated scorecard development and deployments
17. Previous experience of managing operational areas, underwriting, fraud, customer service
18. Experience of developing, implementing, and integrating institutional wide core decision solutions that touch all areas of the organisation
19. Experience gained in a wide variety of organisations andplex organisational structures
We have a range of benefits available which include:
20. 30 days holiday per annum, plus bank holidays
21. Annual bonus based on personal andpany performance
22. Car allowance
23. Private medical cover
24. Generous pension contributions
25. Employee assistance programme
26. Sharesave scheme
27. Gym passes at a reduced rate for 3,000 gyms, leisure centres etc
Inclusion
At Santander we're creating a thriving workplace where all colleagues feel they belong and are supported to succeed. We all help to make Santander a workplace that celebrates diversity and attracts, retains and develops the most talented andmitted people through living our values of Simple, Personal, and Fair.
At Santander Consumer Finance we have a zero-tolerance approach to discrimination, bullying, harassment (including sexual) or victimisation of any kind.
Should you want to be considered for part time hours, please let us know and we can assess your requirements.
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