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
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