Senior Credit Risk Manager - Responsible Lending and Open Banking

Senior Credit Risk Manager - Responsible Lending and Open Banking

Location:London, Bradford, Chatham, or Petersfield

Working Pattern:Hybrid model, with 1 to 3 days per week in the office

Benefits:

Discretionary annual bonus

25 to 30 days holiday

Pension scheme with matched contributions

Paid days for community work

Enhanced maternity and paternity pay

LinkedIn Learning, Snoop Premium, Private Medical Insurance

Role Overview:Lead the evolution of using alternative data sources within our credit risk strategies for Loans, Vehicle Finance, and Credit Cards. Establish thought leadership in open banking transactional data to enhance credit access for underserved markets, grow receivables, and optimize profitability.

Key Responsibilities:

Lead and influence the credit strategy team across various departments.

Develop and optimize lending policies, especially using open banking data.

Manage projects aligned with our future vision for responsible lending.

Engage effectively with customers throughout their lending journey.

Innovate data exchange processes during customer onboarding.

Build and develop a high-performing team.

Drive decision-making improvements through testing and learning initiatives.

Gain stakeholder buy-in for strategic changes.

Support business growth while maintaining responsible lending standards.

Mentor and coach team members.

Preferred Qualifications:

Experience in responsible lending strategy development.

Expertise in open banking data utilization.

Background in scorecard and affordability assessment development.

Strong leadership and strategic influence skills.

Knowledge of regulatory frameworks like CONC and macroeconomic trends.

Interview Process:

Initial phone interview with Talent Acquisition

MS Teams interview with the hiring team

Final interview with the Credit Risk team

Note: The process typically takes up to 4 weeks. All offers are subject to background ..... full job details .....