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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