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Client:
OSB Group
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Other
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EU work permit required:
Yes
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Job Reference:
92547a859da9
Job Views:
12
Posted:
12.08.2025
Expiry Date:
26.09.2025
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Job Description:
About the team
As Portfolio Credit Risk Manager, you will join the Risk function at OSB Group, reporting to the Senior Credit Risk Manager. This role involves creating and updating credit risk reports, conducting portfolio deep dives, segmentation reviews, and strategy assessments. You will perform regular analyses to support decision-making and policy development across Underwriting, Collections, and Recoveries teams. The role includes line management of at least one Credit Risk Analyst.
The position is based in Wolverhampton with a hybrid working policy; flexibility can be discussed.
About Us
The OSB Group is a FTSE 250 mortgage lender focusing on selected market segments. Our lending is supported by retail savings franchises and securitisation platforms, with operational support from OSBIndia. We value diversity and inclusion, fostering a collaborative environment and supporting initiatives like Women in Finance and Women in Leadership.
What you will be doing
The Portfolio Credit Risk Manager will oversee end-to-end credit risk data processes and analyses, requiring strong SAS and SQL skills. Responsibilities include:
* Providing MI updates to Senior Management and Credit Risk Committee
* Running critical data processes ensuring governance compliance
* Leading Credit Risk Analytical projects across all products and brands
* Managing affordability underwriting tools and valuation procedures
* Handling Regulatory Data requests
* Supporting Risk Appetite settings and Early Warning Indicators
* Identifying areas for analytical deep dives and insights
This role offers exciting opportunities, including involvement in a transformation project to establish a new operating platform, with growth prospects aligned with the company's expansion.
In return for your commitment
We offer a salary dependent on experience (around £65,000) and benefits such as:
* Up to 15% discretionary bonus
* 28 days annual leave plus bank holidays
* Private Medical Insurance, Medical Cash Plan
* Maternity & Adoption Leave (100% for 13 weeks, then 50%)
* Paternity Leave (4 weeks)
* Additional benefits: Hybrid working, Cycle Purchase, Technology Purchase, Season Ticket Loan, Employee Perk Portals, Payroll giving, Save as you Earn
Could you be the one?
Ideal candidates will have:
* Advanced SAS/SQL and Excel/VBA skills for MI reporting and analysis
* Mathematical qualification or equivalent experience
* Experience in Retail/Consumer Finance Credit Risk
* Knowledge of credit risk lifecycle and analytical techniques
* Strong stakeholder management and communication skills
* Desirable: mortgage lending experience and line management experience
We support individual career growth and development.
What to do next
If interested, apply now! For internal applicants, please visit the internal careers page. For a confidential chat, contact us via the careers page. Our recruitment process is personalized and conversational.
We are committed to diversity and equal opportunities. We promote inclusion at all levels and support flexible working arrangements.
Applicants must have the right to work in the UK and consent to pre-employment checks.
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