Key responsibilities include:

• Oversight and contribution to credit strategy design for third-party asset credit portfolios
• Detailed portfolio monitoring to proactively highlight areas of marginal risk and/or concern
• Taking a lead role in supporting changes to subsidiary credit policies and strategies
• Identifying, monitoring, and highlighting emerging risks related to credit risk on the Bank's third-party asset portfolios
• Acting as a subject matter expert on credit risk across the full product lifecycle, particularly in relation to retail mortgages
• Building strong stakeholder relationships, both with internal and key external contacts

Requirements include:

• Substantial experience in a risk or credit function within an FCA-regulated company, ideally including retail mortgages
• Proven track record in the design, creation, implementation, and enhancement of credit strategy across the lifecycle
• Experience working alongside or within data functions
• Familiarity with regulations and lending standards applicable to lending in the UK
• Excellent influencing, interpersonal, and communication skills
• Excellent attention to detail and an ability to identify trends, issues, or opportunities from information to hand (both qualitative and quantitative)
• Highly numerate, with a relevant degree and excellent analytical skills
• Coding experience would be beneficial but not essential (SQL, Python, etc.)
• Highly organised, with the ability to deliver to deadlines and manage conflicting priorities within a dynamic environment

Benefits include:

• 25 days holiday (plus take your public holiday allowance whenever works best for you)
• An extra day's holiday for your birthday
• Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off
• 16 hours paid volunteering time a year
• Salary sacrifice, company-enhanced pension scheme
• Life insurance at 4x your salary
• Private Medical Insurance with VitalityHealth including mental health support and cancer care
• Partner benefits include discounts with Waitrose, Mr&Mrs Smith, and Peloton
• Generous family-friendly policies
• Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
• Access to initiatives like Cycle to Work and Salary Sacrificed Gym partnerships

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