Credit Risk Manager- Vehicle/ Motor Finance

Up to £100K

Hybrid working (London)

*Vehicle/Motor Finance experience is essential*

Key Responsibilities:

• Establish a credit risk framework – incorporating risk monitoring and feedback processes – to ensure appropriate decisioning for both customers and the business 
• Driving the optimisation of lending decisions through test and learn initiatives to identify champion strategies for new customers
• Investigating and developing new data sources to be used for analysis and decisioning 
• Influencing stakeholders – ranging from peers to Senior Management – to gain buy-in and support to deliver change as required
• Supporting business growth and portfolio profitability – ensuring a balance between risk, reward and responsible lending – while controlling credit quality and performance 
• Providing colleagues with opportunities to succeed, devoting dedicated time to empowering people through coaching, mentoring and sharing expertise and knowledge
• Presenting clear and concise results (both written and verbal) using aggregated data, highlighting key trends, opportunities/risks and recommendations
• Liaising closely with commercial teams to provide recommendations that enhance decisioning, for the objective of improving both customer and business outcomes 
• Driving continuous improvement of credit risk strategies for Vehicle Finance, supporting strategic objectives for growth while minimising impairment and conduct risks

Key Requirements:

• Credit Risk experience – in consumer credit, specialising in Vehicle Finance
• Strong numerical capability with experience in converting analytical information into a business narrative through strong commercial acumen
• Communication – ability to articulate complex ideas to stakeholders in order to influence or persuade
• Problem solving – finding innovative ways to address issues or risks identified, or discovering opportunities to enhance existing strategies
• Management – Experience of managing an analytical team, prioritising activities while providing strategic direction and maintaining motivation through coaching and colleague development
• Keeps up to date with latest regulatory and macro-economic developments and trends

Send your CV to nmohamed@merje.com

*No sponsorship can be provided*

Applicants must be located and eligible to work in the UK without sponsorship. Please note, should feedback not be received within 28 days, unfortunately your application has been unsuccessful. In applying for this role, you may be registered on our database so we can contact you about suitable opportunities in future. Your data will be managed in accordance with our Privacy Policy, which can be found on our website. If you would like this job advertisement in an alternative format, please contact MERJE directly.