Credit Risk Manager, Cards
Location:
Bradford/London/Petersfield
Salary:
Closing Date:
Friday 07 February 2025
Contract Type:
Permanent | Full-time
Working Pattern:
Hybrid - typically 1 day a week in the office. Flexible arrangements are considered to support work-life balance.
What we Offer:
Holidays:
25 days holiday up to 30 days (depending on service) Pension:
We will contribute up to 10% Maternity/Paternity:
Enhanced maternity (after successful completion of probation) and 4 weeks paternity leave Volunteering:
2 paid days to 'give back' to the charity of your choice Development:
LinkedIn Learning for all Finance:
Snoop Premium available to all colleagues Medical:
Opportunity to opt in for Private Medical Insurance Bonus:
Discretionary annual bonus
The Role:
Responsible for the development, implementation and ongoing monitoring of credit risk strategies for Card Acquisitions, providing clear recommendations on how best to drive positive customer and business outcomes.
As a Credit Risk Manager, you will:
Establish a credit risk framework - incorporating risk monitoring and feedback processes - to ensure appropriate decisioning for both customers and the business within the Group's risk appetite Drive the optimisation of lending decisions through test and learn initiatives to identify champion strategies for new customers Investigate and develop new data sources to be used for analysis and decisioning Influence stakeholders across the Group - ranging from peers to Senior Management - to gain buy-in and support to deliver change as required Support business growth and portfolio profitability - ensuring a balance between risk, reward and responsible lending - while controlling credit quality and performance Provide colleagues with opportunities to succeed, devoting dedicated time to empowering people through coaching, mentoring and sharing expertise and knowledge Present clear and concise results (both written and verbal) using aggregated data, highlighting key trends, opportunities/risks and recommendations Liaise closely with commercial teams to provide recommendations that enhance decisioning, for the objective of improving both customer and business outcomes Drive continuous improvement of credit risk strategies for Credit Cards, supporting strategic objectives for growth while minimising impairment and conduct risks
What We're Looking For:
Credit Risk experience:
in consumer credit, preferably specialising in Cards 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 Degree:
in numerical / analytical subject is desirable
The interview process: 30-minute call with Talent Acquisition 1 hour competency based interview with the hiring team Final interview
Who We Are: At Vanquis, we have a simple purpose: to deliver caring banking so our customers can make the most of life's opportunities. Established in 1880, we're now a FTSE All Share company and leading specialist bank. We lend responsibly, providing tailored products and services to over 1.75 million UK customers. We take care of our colleagues as well as our customers, working hard to create a rewarding and supportive work environment. That means competitive salaries, benefits, and a Group-wide recognition scheme. Everyone can enrol in our pension and after six months, you can join our 'Buy As You Earn' scheme. We're about more than financial rewards though. We give everyone a voice in the business and room to be their authentic self. And we know you're here to build your career, so we help every colleague with training and development opportunities. Making sure there's always something new to learn.
Vanquis Bank is an Equal Opportunity Employer: Here at Vanquis Banking Group, we embrace everyone's unique strengths and identities to be themselves at work. Regardless of how you identify yourself, your sexual orientation, marital or civil partner status, race, colour, nationality, ethnic or national background, faith, disability, or age - your experiences and background help enrich our teams, and most importantly help support our customers in the best way possible. At the end of the day, it's our people that help us to fulfil the reason why we're here in the first place: to help put people on a path to a better everyday life. If there's anything we can do in the recruitment process to help you achieve your best, get in touch. Whether it's a copy of our application form in another format or additional assistance, we're available to help. You can contact us at careers@vanquis.com. #J-18808-Ljbffr
Location:
Bradford/London/Petersfield
Salary:
Closing Date:
Friday 07 February 2025
Contract Type:
Permanent | Full-time
Working Pattern:
Hybrid - typically 1 day a week in the office. Flexible arrangements are considered to support work-life balance.
What we Offer:
Holidays:
25 days holiday up to 30 days (depending on service) Pension:
We will contribute up to 10% Maternity/Paternity:
Enhanced maternity (after successful completion of probation) and 4 weeks paternity leave Volunteering:
2 paid days to 'give back' to the charity of your choice Development:
LinkedIn Learning for all Finance:
Snoop Premium available to all colleagues Medical:
Opportunity to opt in for Private Medical Insurance Bonus:
Discretionary annual bonus
The Role:
Responsible for the development, implementation and ongoing monitoring of credit risk strategies for Card Acquisitions, providing clear recommendations on how best to drive positive customer and business outcomes.
As a Credit Risk Manager, you will:
Establish a credit risk framework - incorporating risk monitoring and feedback processes - to ensure appropriate decisioning for both customers and the business within the Group's risk appetite Drive the optimisation of lending decisions through test and learn initiatives to identify champion strategies for new customers Investigate and develop new data sources to be used for analysis and decisioning Influence stakeholders across the Group - ranging from peers to Senior Management - to gain buy-in and support to deliver change as required Support business growth and portfolio profitability - ensuring a balance between risk, reward and responsible lending - while controlling credit quality and performance Provide colleagues with opportunities to succeed, devoting dedicated time to empowering people through coaching, mentoring and sharing expertise and knowledge Present clear and concise results (both written and verbal) using aggregated data, highlighting key trends, opportunities/risks and recommendations Liaise closely with commercial teams to provide recommendations that enhance decisioning, for the objective of improving both customer and business outcomes Drive continuous improvement of credit risk strategies for Credit Cards, supporting strategic objectives for growth while minimising impairment and conduct risks
What We're Looking For:
Credit Risk experience:
in consumer credit, preferably specialising in Cards 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 Degree:
in numerical / analytical subject is desirable
The interview process: 30-minute call with Talent Acquisition 1 hour competency based interview with the hiring team Final interview
Who We Are: At Vanquis, we have a simple purpose: to deliver caring banking so our customers can make the most of life's opportunities. Established in 1880, we're now a FTSE All Share company and leading specialist bank. We lend responsibly, providing tailored products and services to over 1.75 million UK customers. We take care of our colleagues as well as our customers, working hard to create a rewarding and supportive work environment. That means competitive salaries, benefits, and a Group-wide recognition scheme. Everyone can enrol in our pension and after six months, you can join our 'Buy As You Earn' scheme. We're about more than financial rewards though. We give everyone a voice in the business and room to be their authentic self. And we know you're here to build your career, so we help every colleague with training and development opportunities. Making sure there's always something new to learn.
Vanquis Bank is an Equal Opportunity Employer: Here at Vanquis Banking Group, we embrace everyone's unique strengths and identities to be themselves at work. Regardless of how you identify yourself, your sexual orientation, marital or civil partner status, race, colour, nationality, ethnic or national background, faith, disability, or age - your experiences and background help enrich our teams, and most importantly help support our customers in the best way possible. At the end of the day, it's our people that help us to fulfil the reason why we're here in the first place: to help put people on a path to a better everyday life. If there's anything we can do in the recruitment process to help you achieve your best, get in touch. Whether it's a copy of our application form in another format or additional assistance, we're available to help. You can contact us at careers@vanquis.com. #J-18808-Ljbffr
