Credit Risk Manager - BBSL

Job Description

What will your ‘typical’ day look like? Different that’s for sure…:

The Commercial team develops the end of end customer experience through using insight and intelligence to drive the design and development of propositions and products that are delivered digitally. Atom’s approach is highly customer orientated, with an emphasis on transparency, fairness and value. The Commercial team ensures customer insight and feedback informs decisions, alongside wider market dynamics in the core objective of Atom’s products being differentiated and ahead of the market.

Credit risk management across the entire customer journey is delivered by the 1st line Credit Risk Strategy team overseen by the 2nd line Credit Risk team.

As Credit Risk Manager - BBSL you are responsible for leading the ongoing review and oversight of credit performance across the BBSL products and for reporting lending product performance and analysis of variances to budget and appetite. You’ll create insights and recommendations for use in the development of proposals to adjust credit strategy to maximise the profitability of the BBSL lending portfolio. This role also supports the delivery of increased automation working with the Decision Systems team to deliver efficient and cost-effective account opening and customer management across Atom’s BBSL product range ensuring that Atom policies can be effectively applied with minimal levels of manual intervention.

You will also:

• Take a lead role in the development and delivery of credit MI to ensure the effective and ongoing monitoring of BBSL credit risk strategies.
• Perform regular, comprehensive credit reporting and investigative analysis on new business and portfolio performance to highlight issues and identify improvements to policies and procedures.
• Provide insight on the BBSL portfolio and segment performance through forecasting and targeted analysis.
• Provide support for the creation, update, and approval of regulatory documents.
• Assist in the delivery of the team’s objective to deliver increased levels of automation (including strategies, scorecards, policy rules and calculators) across all new business applications.
• Assist with the design and implementation of champion challenger tests to progressively refine credit strategies.

What do we need from you?

• Good understanding of retail banking products, preferably mortgages.
• Considerable experience within a Credit related role
• Understanding of data systems and infrastructures.
• Programming, database extraction and reporting experience.
• Strong data interpretation/interrogation skills, including data manipulation and analysis techniques, to create meaningful insight.
• Proficient user of SAS, R or similar.
• Strong MS Office skills, in particular MS Excel.
• Good verbal and written communication skills.
• Able to build effective working relationships with stakeholders.