Senior Credit Risk Manager – Business Strategy

Senior Credit Risk Manager – Business Strategy

The Team
The Business Credit Insight & Innovation team plays a key role in shaping the strategy for business lending. We are looking for a Senior Manager to lead the transformation of the business credit risk capabilities, ensuring customers are placed at the heart of the lending journey. This role focuses on driving innovation, supporting sustainable growth, and ensuring the lending practices meet both customer needs and regulatory requirements.

The Role

• Lead the development and implementation of innovative business credit strategies to support growth within our risk appetite and regulatory guidelines.
• Design a comprehensive automation roadmap for business lending, building a strong business case and securing executive buy-in to deliver the programme of work.
• Drive automation initiatives in business credit risk, including the introduction of automated credit assessments and process improvements.
• Harness technology and diverse data sources to streamline lending processes and provide insights into business lending portfolios, enhancing efficiency across the business.
• Take ownership of the credit strategy for small business lending, ensuring compliance with relevant policies, processes, and regulatory requirements across the credit lifecycle.
• Provide oversight, monitoring, and analysis of business lending portfolio performance.
• Support the evaluation of lending applications across all aspects of the business portfolio, contributing to key decisions.
• Deputise for the Head of Business Credit at forums, committees, and external events as required.

The Candidate

• Leadership and Change Management: A proven ability to lead change and influence senior stakeholders across functions in a financial services organisation.
• Credit Risk Expertise: Significant experience in designing end-to-end customer journeys while ensuring credit risk is managed effectively.
• Portfolio Management Experience: A strong background in managing complex and diverse credit risk portfolios across various segments and sectors.
• Business Lending Knowledge: A deep understanding of business lending strategies, products, processes, regulations, and data.
• Regulatory Expertise: Extensive knowledge of industry regulations and standards.
• Analytical Problem-Solving: Exceptional skills in analysing complex issues and making sound decisions.

Desirable Skills (Not Essential)

• Experience in credit risk modelling for business lending portfolios.
• Expertise in developing credit strategies for implementation in a variety of decisioning systems.
• A strong understanding of risk-reward dynamics.