Credit Risk Manager

Credit Risk Manager - Edinburgh - 6 Month Contract

I am currently searching for an experienced Credit Risk Manager with a strong financial background to join our banking client in Edinburgh on a contract basis.

The Products, Credit Risk Manager reports to the Head of Retail Unsecured Credit Risk and is responsible for managing credit risk (within governance, policy and control frameworks), as well as proposing specific product related initiatives across a specific unsecured portfolio.

Key to the role is the ability work with and influence key stakeholders across Personal and Business Banking (including Unsecured Products, Distribution, Finance and Risk) - in particular to drive Credit Risk's agenda and influence products. The role holder will be required to develop credit initiatives and policies that are within the bank's conduct requirements, in addition to driving more streamlined and consistent customer experiences. 

- Credit risk portfolio management
- Work with Product MD's, and their teams, to direct the ongoing credit customer management and portfolio optimisation, in response to customer, business and market drivers.
- Significant stakeholder management responsibilities across a diverse Matrix structure, including products, distribution, finance, risk, offshore/virtual teams provide insight in to emerging trends/issues, mitigating where possible.
- Direct recommendations and ensure pricing fully recognises the expected impairment and capital costs, and that acquired assets meet the Bank's minimum profitability returns.
- Evaluate and provide insight on portfolio strategy performance and recommendations for submission to risk committee.

TECHNICAL KNOWLEDGE:

ESSENTIAL

- Knowledge of risk management and control processes appropriate to a financial services environment.
- Detailed understanding of risk management processes particularly credit strategy development.
- Broad understanding of external regulations and their impact on the business.
- Background in SQL and SAS.

DESIRABLE

- Good understanding of regulatory regimes and authorities within which the sector operates.
- Good understanding of Retail banking, strong project management skills, broad knowledge of technology issues from a business perspective.

Sufficient technical knowledge to be able to analyse complex credit matters in any Bank business and identify material credit risk issues in order to simplify and create risk management solutions.

To apply please respond with your up to date CV