Hybrid Credit Strategy Manager – Senior Associate

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About the role

  • Defining credit strategies for SME lending at Allica Bank. Driving risk management and growth initiatives in a pivotal role within the lending team.

Responsibilities

  • Lead our credit strategy
  • Design frameworks and credit strategies
  • Conduct deep-dives into emerging areas of potential risk and opportunity
  • Drive in-market actions
  • Regularly assess and evaluate the effectiveness of the credit strategies
  • Contribute to the optimisation of pricing strategies
  • Collaborate with cross-functional teams
  • Improve the mechanisms for tracking and reporting lending performance
  • Identify key risks, opportunities and trends in a structured way
  • Develop insightful reporting for decision-making committees
  • Identify and work with internal and third-party data sources
  • Support credit risk forecasting and analysis
  • Assist with the annual review and challenge of the IFRS9 model methodology

Requirements

  • Experience in a data-driven role, either within credit risk / lending strategy or in a highly analytical environment (e.g. consulting, analytics, data science or quantitative roles)
  • Exposure to credit risk, lending products, or financial services is desirable
  • Familiarity with Commercial Lending, Mortgages, Asset Finance, or Working Capital products is advantageous
  • Strong understanding of test & learn methodologies
  • Knowledge of credit risk assessment methodologies, credit products and regulatory frameworks is beneficial
  • Experience with or interest in SME lending and credit products is desirable
  • Comfortable working with data to analyse portfolio performance
  • Awareness of credit risk frameworks is beneficial
  • Understanding of key credit risk concepts is advantageous

Benefits

  • Full onboarding support and continued development opportunities
  • Options for flexible working
  • Regular social activities
  • Pension contributions
  • Discretionary bonus scheme
  • Private health cover
  • Life assurance
  • Family friendly policies including enhanced Maternity & Paternity leave

Job title

Credit Strategy Manager – Senior Associate

Job type

Experience level

Senior

Salary

Not specified

Degree requirement

Bachelor's Degree

Location requirements

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