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About the role
Key responsibilities & impact- To manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio.
- Monitoring the financial performance and risk profile of the lending portfolio, including individual borrowers, sectors, and geographic regions.
- Analysis of credit trends, identify early warning signs of potential borrowers' issues, and assess the impact of economic and market developments on the portfolio.
- Development and utilisation of quantitative models and risk forecasting tools to measure and predict potential credit losses.
- Performance of portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolio's risk profile.
- Definition and setting of portfolio, segment and customer risk appetite, policy and limits.
- Advising key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment.
Requirements
What you’ll need- Experience interrogating large data sets, identifying trends/risk/opportunities, and managing teams who do so.
- Credit risk & Affordibility experience
- Understanding of FCA regulations
- Experience translate analysis into clear proposals
- Experience in managing risk and controls
- Experience in leadership, managing multiple senior stakeholders
- Experience in credit risk - portfolio management
- Understanding of credit models
Benefits
Comp & perks- Health insurance
- Retirement plans
- Paid time off
- Flexible work arrangements
- Professional development opportunities
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
Data AnalysisRisk ForecastingCredit Trend AnalysisStress TestingCredit Models
Soft Skills
LeadershipCommunicationTeam Management
