.. To have direct accountability for growing Sales within a designated patch.... .. To have direct accountability for growing sales within a designated patch.... .. read more
About the team As Portfolio Credit Risk Manager you will join the Risk function at OSB Group, reporting into the Senior Credit Risk Manager. This role will be responsible for creating and updating credit risk reporting, portfolio deep dives, segmentation performance reviews and strategy review. Carrying out regular analysis to support the decision making and policy development across the Underwriting, Collections and Recoveries teams. This role includes the line management responsibility of at least 1 Credit Risk Analyst.The role is based from our Wolverhampton and we operate a hybrid working policy, we are open to discussions around flexibility. About Us The OSB Group is a FTSE 250 specialist mortgage lender, primarily focused on carefully selected segments of the mortgage market. Our specialist lending is supported by our Kent Reliance and Charter Savings Bank retail savings franchises. Diversification of funding is provided by sophisticated securitisation platforms. OSB’s unique cost-efficient operating model is supported by our wholly-owned subsidiary OSBIndia.Alongside passion for our products and customers, we're passionate about our people and want to continue building a collaborative and engaging environment. Being dedicated to Diversity, Equity and Inclusion, we encourage differences and recognise that individuals from diverse backgrounds and experiences can bring valuable insights and enhance the way we work. This is supported by our Diversity, Community and Environment Employee Engagement Networks and our commitment to the Women in Finance Charter and Women in Leadership Programme. What you will be doing In this role, the Portfolio Credit Risk Managerwill own and manage the end-to-end execution of both BAU and ad-hoc Credit Risk data processes and analytical exercises for OSB Group. Previous SAS and SQL experience will be essential to aid the reporting and analysis required.Your responsibilities will include:Updating Senior Management and the Credit Risk Committee with key MI on monthly trends and key performance indicators Periodic running of critical data processes and the associated control landscape, ensuring compliance to appropriate governance and frameworksUndertaking Credit Risk Analytical projects, covering the entire Credit Risk Lifecycle and all products and brands, to support the immediate team, wider risk function and other stakeholdersOwnership for the Group’s affordability underwriting tools and valuation indexing procedures ensuring BAU and ad-hoc updates are completed whilst remaining compliant with the end user computing policyCompletion of Regulatory Data requests ensuring outputs are reconciled / validated against existing reportingSupport Level 2 & 3 Risk Appetite settings and Early Warning Indicators across the GroupIdentifying areas for analytical deep dive, defining scope of work and proposing opportunities through insightsWith a number of exciting opportunities in this role, you will be part of the transformation project which will create a new operating platform for the business. As the company and team grows, so should you! In return for your commitment We offer a base salary dependent on experience between c£65,000 and a competitive benefits package including: Discretionary annual bonus opportunity of up to 15%28 days annual leave plus bank holidaysContributory pension (8% employer 5% employee) Life Assurance (4x salary) plus Group Income Protection Access to Private Medical Insurance and Medical Cash PlanMaternity & Adoption Leave – Occupational Maternity/Adoption Pay provided at 100% of salary for the first 13 weeks and at 50% of salary for the next 13 week period.Paternity Leave – 4 weeks of paid leave to be taken within 8 weeks of childbirthAdditional benefits such as Hybrid working, Cycle Purchase scheme, Technology Purchase scheme, Season Ticket Loan, Holiday purchase / sell schemes, Employee Perk Portals, Payroll giving and Save as you Earn scheme. Could you be the one? We are looking for talented individuals who have the experience and knowledge set out below: Advanced SAS/SQL and Excel/VBA skills are essential skills to produce and manage MI reports, including in depth analysis and deep dives into any trends.Mathematical related qualification or equivalent work experiencePrevious experience in a Retail / Consumer Finance Credit Risk Function with specialist knowledge of the credit risk lifecycleExperience within Financial Services and an in depth understanding credit risk analytical techniquesStrong stakeholder management and communication skills with the ability to disseminate informationUnderstanding of mortgage lending would be desirable Previous line management/coaching experience would be desirableWe also believe that your career and how you progress is as unique as your individual personality. We continually support our people so they can become the best version of themselves. What to do next If this sounds like you, please apply now! For internal applications please visit the internal careers page to apply. Alternatively, if you wish to have an informal and confidential chat please get in touch. Contact details can be found on our careers page. If shortlisted from your initial application we operate a personalised recruitment process. Interviews are a two way street, we aim for them to be relevant and conversational to get the best out of you!OSB Group are dedicated to diversity in the workplace and committed to treating all our employees and job applicants equally. We embrace equal opportunities and are opposed to discrimination on any grounds.As part of our public commitment to the Women in Finance Charter, we have introduced our own initiatives to attract, develop and advance senior women in our sector. We don’t stop there though, we have broadened our approach to encourage diversity and inclusion at all levels and in all roles. Our leadership and Executive Committee are right behind us, to the extent that our Diversity Champions sit at Board level and on a monthly basis receive updates on our progress. Whilst we are an organisation that values face-to-face interaction to build and nourish our culture, we also acknowledge that people are not just productive in an office and tied to the 9 to 5. Flexible-working opportunities are important for establishing a healthy work-life balance so if you see a role of interest we are happy to be asked about flexibility and explore together if we can make it work.All applicants must have rights to work in the UK and be willing to undertake the relevant pre-employment screening checks should your application be successful. Options Sorry the Share function is not working properly at this moment. Please refresh the page and try again later. Share on your newsfeed Software Powered by iCIMS