OVERALL SUMMARY At Close Brothers we look to recruit individuals from all different backgrounds and encourage you to apply even if you don’t tick every box. We celebrate diversity and promote inclusivity. Vacancies are available on a part-time, job-share or full-time basis because we know the best person for the job isn’t always available full-time. Our aim is to facilitate requests wherever possible and managers will consider requests on an individual basis. Join the Close Brothers Credit Risk Team where you will develop, deliver and monitor credit risk strategies, with a specific focus on the management, development and tracking of new business performance and underwriting. Working as part of the Credit Risk team our ideal team member will have previous experience in designing and implementing Credit acquisition strategy including the setting of credit and affordability strategies, policies, underwriting, bureau data and credit systems with excellent coding skills. RESPONSIBILITIES Undertake analysis of Credit acquisition strategy and processes to provide insight and recommendations to Credit management to improve and optimise Credit decisioning strategy Set and monitor Motor credit risk performance against agreed plans, targets and budgets and work with the Credit Manager to propose and agree actions required to address any performance issues and/or to capitalise on opportunities Develop and present high quality credit risk related MI and insight to Credit management, Credit Committees and other major stakeholders to support informed decision making Effectively summarise and communicate findings using appropriate written and graphical techniques in Excel and PowerPoint Maintain and provide input for relevant Credit Policies to ensure the delivery of business objectives and alignment with Group Credit Risk Standards Ensure compliance with prudent underwriting standards and assist Operations to ensure that Motor’s bad debt is managed appropriately, and all processes comply with the regulatory guidance WE WOULD LOVE TO HEAR FROM YOU IF YOU HAVE: A strong analytical mindset to be able to appreciate and investigate complex issues in a methodical manner Used tools such as SAS, SQL, Alteryx, Business Objects or other similar data analytical tools Advanced Excel and PowerPoint skills Strong written and verbal communication skills with the ability to interact and convey complex information to senior management and non-credit colleagues An ability to work independently as well as part of a team, with the ability to support, coach and encourage other team members Worked in a Credit Risk role within a Financial Services environment IT IS NOT ESSENTIAL BUT IT WOULD BE GREAT IF YOU HAVE: An understanding and / or experience of credit scorecards in a retail or commercial environment Experience of consumer and commercial underwriting, credit bureau data and reports, business accounts etc. A background in retail finance or a similar secured asset lending environment Strong understanding of credit risk across the lifecycle Credit risk PD, EAD & LGD models exposure We are committed to providing an inclusive and accessible recruitment process. We recognise that candidates may have specific needs that require adjustments to ensure they have a fair and equal opportunity to demonstrate their skills and abilities. Candidates who require the job description or application form in an alternative format, or any other adjustments, are encouraged to email us at or request a call back. ABOUT US At Close Brothers we support employees to balance their work life priorities and in this role you will be able to enjoy a mixture of hybrid working. Close Brothers is a leading UK merchant banking group providing lending, deposit taking and securities trading. We employ approximately 3,000 people, principally in the United Kingdom and Ireland. Close Brothers Group plc is listed on the London Stock Exchange and is a constituent of the FTSE 250. To find out more about Close Brothers, please visit our careers page: https://www.closebrothers.com/careers To find out more about life at Close Brothers:https://www.closebrothers.com/life-close-brothers374017299-899295541 To find out more about our benefits:https://www.closebrothers.com/employee-benefits To find out more about our commitment to creating an inclusive environment:Our Responsibility - Diversity and inclusion ¦ Close Brothers Group LI-KB1 LI-HYBRID