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Head of Credit Risk

Head of Credit Risk

Eden Smith GroupKent, ENG, UK
30+ days ago
Job type
  • Full-time
Job description

Job Description

Our client is going through an exciting new phase of growth and is looking for a motivated individual who is an expert in credit risk, brings a deep understanding of motor finance industry and is passionate about leveraging data & technology to transform the lending journeys.

Key Responsibilities & Accountabilities :

Credit Risk

  • Ensure that the loan portfolio performs within the appetite set by the Board and agreed with funders.
  • Own the approval policy covering both automated rules and manual underwriting.
  • Be the custodian of all scoring and loss forecasting models in the organisation.
  • Embed a data driven approach to all credit decisions, monitoring performance and taking timely actions to mitigate emerging risks.
  • Partner with the underwriting teams, continually thinking of ways to improve customer outcomes

Leadership

  • Be the point person for credit risk acting as a Subject Matter Expert in all stakeholder discussions including funders, regulators and auditors, as required.
  • Commercial thinker focussed on delivering business solutions in partnership with sales & operations
  • Act to deliver good outcomes for our customers and understand how this requirement specifically applies to their role
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    Head Of Credit Risk • Kent, ENG, UK