Credit Strategy Manager

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 Strategy Manager is responsible for supporting the ongoing review and oversight of credit performance across all lending products and reporting & analysis of lending product performance. Creating insight that we’ll use to develop and review proposals, to adjust lending and customer management policies and procedures to maximise the profitability of the lending portfolio.

In this role you’ll also support 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 product range ensuring that Atom policies can be safely and effectively applied with minimal levels of manual intervention.

You will also:

• Take a lead role in the development and oversight of new business credit risk policies including credit scoring and affordability decisions to support Atom’s lending growth objectives.
• Work proactively with the Financial Care team to deliver and monitor effective pre-delinquency, collections, work out and recovery strategies to assist customers while effectively controlling losses.
• Perform regular, comprehensive credit reporting
• Conduct investigative analysis on new business and portfolio management and identify improvements to policies and procedures.
• Set expectations and provide insight on portfolio and segment performance through forecasting and targeted analysis.
• Work closely with the Credit Risk Modelling team on performance and development of IRB models.
• Ensure that all credit data and credit models are thoroughly and accurately documented and tested.
• Design and monitor champion:challenger tests to progressively refine lending strategies.

What do we need from you?

• Good understanding of retail banking products.
• Previous experience in credit risk management in financial services
• Understanding of data systems and infrastructures
• Programming, database extraction and reporting experience
• Strong data interpretation/interrogation skills
• Proficient user of SAS, R or similar
• Considerable experience with stakeholder management