Job Description
A leading specialist financial services provider is seeking a Credit Risk Strategy Manager to join its growing vehicle finance team.
This is a unique opportunity to shape and optimise credit risk strategies from the ground up, in a business that values data-driven decision-making, collaboration, and innovation. Working at the intersection of credit risk, customer strategy, and product innovation, you will play a central role in shaping the vehicle finance proposition
Key Responsibilities:
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* Design and implement credit risk strategies for vehicle finance customers, ensuring alignment with the organisation’s risk appetite, regulatory requirements, and commercial objectives.
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* Lead the optimisation of lending decisions through advanced analytics, champion/challenger testing, and strategic modelling, with a focus on new business acquisition.
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* Investigate and incorporate alternative data sources to strengthen underwriting capability and enhance customer segmentation.
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* Develop and maintain a robust credit risk framework, including performance monitoring, feedback loops, and governance processes to ensure effective decision-making across the credit lifecycle.
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* Collaborate cross-functionally with product, finance, and customer teams to develop propositions that balance risk, reward, and customer outcomes.
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* Present clear, data-driven insights and recommendations to senior stakeholders, translating complex analysis into actionable strategy.
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* Continuously monitor portfolio performance and conduct deep-dive investigations into emerging trends, risks, and opportunities.
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* Support the development and implementation of credit policy changes, ensuring compliance with regulatory expectations and market best practices.
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* Lead, coach, and mentor a team of credit risk analysts, fostering a high-performance culture and encouraging professional development and innovation.
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* Drive strategic initiatives to enhance responsible lending practices while enabling business growth and profitability.
What You’ll Bring:
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* Extensive credit risk experience in consumer lending, ideally with a focus on vehicle finance
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* Strong numerical, analytical, and commercial skillset
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* Ability to interpret and communicate complex data in a clear, persuasive manner to influence stakeholders
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* Proven experience in leading teams and managing high-impact strategic projects
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* Knowledge of current regulatory and macroeconomic trends affecting the UK credit market