|Hours||35 - 35 Hours|
Join Virgin Money as we transform our team into one that is ready to meet the challenges of the future, setting us up to support our ambition to disrupt the status quo and turn traditional banking on its head. We’re also transforming how we work, offering our colleagues more choice, control and flexibility to live and work how they choose with A Life More Virgin. We’ve exciting opportunities within our Credit Risk function as we look to strengthen our capabilities to support our future ambitions to become a digital bank. We’re on the lookout for highly motivated individuals with a burning passion for what they do, a lust for learning and innovation, and are looking to work with likeminded people. If this sounds like you, then keep reading!
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We’re on the search for several talented Credit Risk Senior Specialists to join our Insight & Innovation Credit Risk team in our secured portfolio. The team is responsible for the delivery of portfolio level credit risk insight into credit strategies or portfolio performance. There is also remit to lead, drive and deliver the development of strategic solutions for digitisation and automation opportunities to support secured growth aspirations from a credit risk perspective.
The team is also responsible for the facilitation of inputs to all Secured related models to ensure accuracy and appropriateness including pricing, profitability, arrears, and all those related to financial planning and management activity from a secured perspective.
You’ll report into a Credit Risk manager and provide insight to the Risk Management Leadership Team, Risk committees and the wider business as required, including the Commercial, Finance and Customer Experience teams. No day will be the same as you collaborate with a range of stakeholders to ensure analysis is providing true insight into risks and opportunities, with the ability to then drive the insight to tangible improvements in our ability to manage Credit Risk.
As a Credit Risk Senior Specialist, your core responsibilities are; Analysing credit data, present findings from your analysis, and solving problems by creating solutions from the analysis of data. You’ll be a self-starter, using your own initiative to drive enhancements, bring new ideas, and provide ongoing challenge. You will lead and co-ordinate the wider credit risk team to drive forward innovation in credit strategies, insight techniques and wider team goals and culture.
Our Insight and Innovation team is responsible for – providing portfolio insight, reporting trends, risks, and actions, including impacts of and on Risk Appetite. It is also responsible for delivering innovation and automation in customer lending journey and processes, searching for new data sources to exploit, leveraging new techniques to drive innovation within the secured credit risk arena. The team will also own pricing and arrears forecasting inputs to ensure accurate business decisions are taken and monitor their efficacy making improvements as required.
They ensure quality control over analysis provided and execution of controls to ensure integrity of reporting. They provide regular and ad-hoc reports from the relevant data and expert knowledge of the credit risk on the portfolio, inherent risks, internal and external influencing factors, and in turn make recommendations on strategies and policies.
Day to day you’ll:
There are a few essentials you need to bring to either of these opportunities…
We'd love you to have (but not essential)...
We really need you to have the skills and experience listed in the ‘There are a few essentials you need to bring’ section above, but the rest is just our wish list, so please don’t let that put you off applying, we’d love to hear from you!