Job Description
Our client is going through an exciting new phase of growth and is looking for a motivated individual who is an expert in credit risk, brings a deep understanding of motor finance industry and is passionate about leveraging data & technology to transform the lending journeys.
Key Responsibilities & Accountabilities:
Credit Risk
* Ensure that the loan portfolio performs within the appetite set by the Board and agreed with funders.
* Own the approval policy covering both automated rules and manual underwriting.
* Be the custodian of all scoring and loss forecasting models in the organisation.
* Embed a data driven approach to all credit decisions, monitoring performance and taking timely actions to mitigate emerging risks.
* Partner with the underwriting teams, continually thinking of ways to improve customer outcomes
Leadership
* Be the point person for credit risk acting as a Subject Matter Expert in all stakeholder discussions including funders, regulators and auditors, as required.
* Commercial thinker focussed on delivering business solutions in partnership with sales & operations
* Act to deliver good outcomes for our customers and understand how this requirement specifically applies to their role
Person Specifi...