Credit Risk Analytics Manager
Salary: c. £70,000 per annum
Hours: 35 hours per week
Contract: Permanent
Location: Hybrid (Office: West Bromwich)
Here at the West Bromwich Building Society we are all about making a you-shaped career. We understand it’s not always easy juggling your career with all the important things outside of work. But with the right opportunities and support we can help you build a career that works for you.
We're looking to recruit an experienced Credit Risk Analytics Manager who will support with the Society’s lending objectives and management of inherent credit risks through the provision of insightful analytics, measurement and monitoring of the Society’s Credit Risk exposures.
What the role will look like:
* Lead the Credit Risk Analytics Team by providing credit risk subject matter expertise and advice, including guidance on SAS programming as needed.
* Produce monthly and quarterly reports for the Board, Risk Committee, other governance committees and external parties (notably PRA/FCA) in relation to the Society’s Credit Risk exposures.
* To support the Society’s objectives, analyse mortgage data from both the Society and external sources in order to create meaningful analysis that can be used to support decision making in relation to lending activities.
* Carry out complex ad-hoc credit risk data analysis and report writing as required.
* Contribute to the development of the Society approach towards the management and analysis of Credit Risk.
* Deputise for the Head of Credit Risk in senior meetings (for example, Product Consideration Group or Executive Risk Committee.)
* Lead the development of Credit Risk models supporting operational decisions, such as new lending affordability models.
* Lead on working with the Product Team in setting and monitoring of Product Stress Rates (per MCOB / FPC guidelines).
* Present and gain approval for analysis in Credit and Risk committees.
* Act as a senior member of Credit Risk team to support the development of Credit Risk strategy, liaising with key areas of the business as required (e.g. Treasury, Product.)
What you will bring to the role:
* Significant knowledge of the Credit Risk lifecycle, ideally relating to mortgages.
* Highly numerate with a degree in a quantitative subject, and a proven track record in analysis of complex data.
* Experience of data mining or statistical software (i.e. SAS, or equivalent). Excellent knowledge of Microsoft Excel.
* Strong written and verbal communication skills with an ability to tailor messaging to suit audience.
* Highly organised and able to meet tight deadlines, prioritising where required.
We Value a diverse range of skills and experiences here at the West Brom. So even if you don't meet every single requirement listed in the job description but are passionate about the role, we still encourage you to apply.
What's in it for you:
* We pride ourselves on our development opportunities and always look to promote from within wherever possible,
* Holiday starting at 175 hours (25 days) plus bank holidays that grow with your time with us and the opportunity to buy or sell up to 5 days holiday each year,
* 2 paid volunteering days a year,
* Living Pensions: Pension scheme starting at 5% contribution from you and 7% contribution from us, and we’ll match your further contributions up to 10.6%
* Enhanced maternity, paternity and adoption leave with paid fertility treatment, neonatal and pregnancy loss leave,
* Life assurance provided by the Society at 4 times your salary,
* Yearly performance related pay scheme and pay review,
* Private medical insurance that’s discounted when your time with us grows, with the option to include family members,
* Car scheme with Tusker and Octopus Electric Vehicles,
* A Perkbox account giving you 24/7 access to perks, benefits, discounts, wellbeing tools and loads more!
* And much more, from flexible working options, wellbeing support and a whole heap of warm West Bromness.
Why choose the West Brom?
At the West Brom we appreciate that our employees are unique individuals with differing needs depending on their specific circumstances and stages in life. When we say our people are the West Brom’s biggest asset that doesn’t mean just viewing them as employees. We’re proud of our heritage and absolutely believe that the West Brom is a great place to work. Our employers are the heart of bringing our new vision to life- where our customers and communities own a more secure future. Everyday, through the work they do together and the care they show, they’re helping turn that vision into real and lasting.
We’re a Disability Confident Leader and encourage disabled applicants and all from diverse backgrounds to apply. We’ll do what we can to adjust our recruitment journey and offer a guaranteed interview to disabled applicants who meet what we’re looking for. If you need any support with applying to one of our roles, get in touch at careers@westbrom.co.uk.
Do it today and click apply!
*Please note We reserve the right to withdraw our adverts earlier than the original published expiry date, therefore if you are interested please submit your application as soon as possible*
Head Office: 2 Providence Place West Bromwich B70 8AF. www.westbrom.co.uk The West Brom is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Register no. 104877. ‘the West Brom’ is a trading name of West Bromwich Building Society.