Associate or Vice President in Financial Restructuring at international financial advisory firm. Involves leading projects, building complex models, and mentoring junior team members.
About the role
- Credit Officer in Embedded Finance managing credit risk strategies and portfolio performance. Collaborating with teams to ensure responsible lending and regulatory compliance for positive outcomes.
Responsibilities
- Provide credit risk input into new product launches, regulatory topics, business requirements and risk transformation activity.
- Develop and implement credit risk strategies for new /existing Embedded Finance products, including underwriting and credit line assignment while ensuring that actions effectively manage risk and reward, support business objectives and translate into positive portfolio outcomes.
- Monitor portfolio performance and conduct deep-dive analyses to identify trends and opportunities for improvement.
- Collaborate with product, engineering and external third parties to design and implement new products and features that balance risk and growth.
- Provide coaching and mentorship to junior members within the immediate and wider team to drive performance and development.
- Stay current on industry trends, regulatory changes, data innovations and competitive landscape to inform credit risk strategies and decisions.
- Working knowledge of tools like SAS, SQL and Excel to manipulate and interrogate data within a robust control environment.
Requirements
- Strong numerate skills - Comfortable working with numbers and have either a degree in a numerate subject or equivalent quantitative experience gained in previous roles.
- Analytical expertise – confidence in using Microsoft Office and have experience of using analytical software, such as SAS/SQL, to deliver insight.
- Credit Risk - you’ll have experience managing credit risk using automated strategies and scorecards and the financial knowledge of risk vs. reward and managing within risk appetite.
- Work effectively through change – an ability to initiate and enable change that helps improve the way we do things.
- Effective communicator - Builds positive relationships with partners and able to clearly explain complex issues and insights to different audiences, both verbally and non-verbally.
- Responsible lending – understand regulatory compliance and conduct risk for fair customer outcomes.
- Collaboration - building effective partnerships and working collaboratively with a wide range of partners to meet shared objectives.
Benefits
- A generous pension contribution of up to 15%
- An annual performance-related bonus
- Share schemes including free shares
- Benefits you can adapt to your lifestyle, such as discounted shopping
- 30 days' holiday, with bank holidays on top
- A range of wellbeing initiatives and generous parental leave policies
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