Head of Mortgage Credit Risk

mortgage - credit risk - retail banking

A new opportunity for a Head of Mortgage Credit Risk has opened at a retail bank in Edinburgh. This is an initial 6 month contract opportunity with a daily rate up to £560 per day. Your role alongside the Head of Credit Risk, build and shape the strategic direction for Bank Mortgage Credit Risk. The role will initially focus on the design and build of a new mortgage platform working with a core programme team and third party suppliers. Following delivery of the new platform, the role will lead the credit risk management of the mortgage business.

Principle Accountabilities:

Lead the Mortgage Credit Risk team.
- Lead the development of Credit Risk business requirements, and help to shape the end state mortgage platform, ensuring delivery of a mortgage platform that meets the needs of the business and customers.
- Deliver the input to ensure that we have the necessary regulatory permissions
- Design and deliver new mortgage strategies that meet the needs of customers and P&L objectives of the business.
- Utilising the data warehouse, be accountable for the continual improvement of risk management strategy used within decisioning systems, optimising bad debt within Risk Appetite.
- Ensure that the bank initiatives, such as product development, have adequate Credit Risk Management input
- In collaboration with MI team, develop efficient and effective suite of MI, to ensure delivery of agreed credit risk performance to enable the business to meet its financial targets.

Technical Expertise:

- 5-10 years' experience in Retail Credit Risk Management. It is expected that the candidate will have significant experience in Mortgage Credit Risk, with an in depth knowledge of the mortgage credit risk cycle
- Expert knowledge of modern risk management techniques and scoring systems and their use within the credit industry.
- Significant management experience in a relevant financial services environment with a good understanding of retail products and channels.

If you would be interested in the position then please send your CV.