Location
Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues
Hours
Full time, Permanent
A bit about us
At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.
The Role
Take ownership of the Portfolio Management risk area. Provide Bad Debt forecasts for pricing or loss calculations for month end reporting and budgetary processes to help with portfolio management. BNP Paribas Personal Finance provides credit facilities for a variety of clients. This challenging role helps the business manage and understand the bad debt dynamics of the business for the various products, providing insights into any variances and detrimental customer behaviours.
Key Responsibilities
* Understand the high level ‘health’ of the portfolio against internal and external benchmark levels and summarise Credit risk trends for monthly MI packs
* Manage the exposure across the portfolio ensuring we have the necessary controls in place to minimise risk
* Deal rapidly with any issues that may have a detrimental effect on the relationship with key retailers
* Identify areas of cost reduction, service and process improvements that will result in adding value to the business whilst treating customers fairly
* Take ownership of the Partner Revenue Committee actions from a Risk perspective
* Liaise with Finance and Marketing teams to deliver analysis to aid business decisions on new strategy
Skills & Attributes
* Experience in SAS Base / SQL or similar programming language
* Complete understanding of the consumer risk lifecycle
* Very good knowledge of credit bureau data and products
* Prior knowledge of scorecard development and monitoring. Experience in forecasting would be beneficial.
* Ability to generate ideas to challenge existing business practices
* Very strong analytical background to be able to set relevant analysis to answer questions
What’s in it for you
Joining BNP Paribas Personal Finance means becoming part of a Top Employer UK dedicated to making a difference to the lives of our customers. Along with a fulfilling career, you'll be able to enjoy a benefits package which you can tailor to your lifestyle and needs, with key highlights including;
* Competitive salary and a contributory pension scheme
* Access to our Health Cash Plan Scheme
* A multi-award-winning flexible benefits platform offering life insurance, private medical insurance, or lifestyle benefits that include discounts on dining, cinema, and days out
* The opportunity to buy and sell holidays, giving you even more control over your work-life balance
Equal Opportunity
We’re committed to creating an inclusive workplace and ensuring equal opportunities for all, regardless of age, disability, gender, identity, race, religion, sexual orientation, or background.
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