Credit Risk Manager Location: West Midlands (hybrid working) An established, values-driven financial services organisation is now looking for an experienced Credit Risk Manager to play a key role in supporting lending objectives and managing credit risk exposure through high-quality insight & analytics. As the Credit Risk Manager, you’ll be joining as a specialist analytics SME and provide expert insight to senior stakeholders across the business. Working directly with the CRO, you’ll be instrumental in shaping credit risk strategy, developing models, and ensuring robust monitoring and reporting in line with regulatory expectations. This is a high visibility, high exposure opportunity with a brand known for their care and development of staff. If youre looking for a place that will give you opportunity to take ownership of your work and a platform for growth, this is it. Key responsibilities include: Providing subject matter expertise and guidance, including SAS programming support where required Producing monthly and quarterly credit risk reporting for the Board, Risk Committee, internal governance forums and external regulators (including PRA/FCA) Analysing internal and external mortgage data to support lending decisions and strategic objectives Delivering complex ad-hoc credit risk analysis and high-quality report writing Contributing to the ongoing development of the organisation’s credit risk management framework Deputising for the Head of Credit Risk at senior forums such as Executive Risk Committee and Product Consideration Group Leading the development of credit risk models to support operational decision-making, including affordability models Working closely with Product teams to set and monitor Product Stress Rates in line with MCOB and FPC guidance Presenting analysis and securing approvals through Credit and Risk Committees Acting as a senior voice within Credit Risk, collaborating with teams such as Treasury and Product to support wider business objectives What you’ll bring Significant experience across the Credit Risk lifecycle, ideally within mortgage lending A strong numerical background, with a degree in a quantitative subject or equivalent experience Proven experience analysing complex datasets and turning insight into action Hands-on experience with data mining or statistical software such as SAS (or equivalent) Advanced Microsoft Excel skills Excellent written and verbal communication skills, with the ability to tailor messages for different audiences Strong organisation skills, with the ability to manage competing priorities and tight deadlines We value diverse skills and experiences. Even if you don’t meet every requirement, we’d still love to hear from you if you’re passionate about the role. What’s in it for you Strong development opportunities with a commitment to internal progression Two paid volunteering days annually A generous pension scheme with employer contributions and matching up to 10.6% Private medical insurance, with discounted rates as service grows and the option to include family members Car scheme options including electric vehicles Access to a perks and wellbeing platform with discounts, tools and support available 24/7 Flexible working options, wellbeing support and a genuinely people-focused culture If you’re looking for a role where your impact will be noticed & valued, Apply today with your CV attached for an intial discussion