Risk Manager - Commercial Accounts

A leading commercial and retail bank with activities across Europe, is looking to hire a Risk Manager into its Commercial team to provide end to end support across a number of its key product areas.

The Risk Manager will implement and maintain credit management strategies that will enable the business across Mortgage, PCS, Loans, Credit Cards and SME portfolios to control lending risk, deliver sustainable growth and meet customer needs.

The Risk manager will lead a team of specialists and deputise for more senior colleagues.

• Demonstrate key behaviours, in line with the company culture, whilst carrying out all aspects of role
• Manages self (and team) to ensure adherence to risk and compliance policies and relevant external regulatory frameworks
• Contributes to the development and achievement of business plans, providing insightful information, guidance and advice, enabling business areas to assess the downstream implications linked to their decisions.
• Recommends areas for change and supports leadership in delivery of agreed change projects to achieve continuous improvement.
• Manage, and motivate, a high performing team, developing colleagues through stretching objectives, feedback and coaching, contributing to their development and providing ongoing support. Otherwise, acts as a functional specialist in a particular area.

Specific

• Maintains effective management controls across Mortgage, PCA, Loans, Credit Cards and SME portfolios.
• Maintains and tests acquisition strategies including risk reward cut-offs, fraud and credit abuse prevention, initial credit limit assignment, scorecard development and analysis.
• Supports the development of predictive behavioural and other scorecard models that deliver estimations based on an understanding of consumer, geographic and financial trends, utilising internal and external resources to support marketing and risk decision.
• Ensure all regulatory requirements are met.
• Works collaboratively to support a strong culture within the team of accountability, empowerment and proactive contribution to the development of the function to reflect evolving business needs and environment, ensuring the individual and their direct reports have the agility and flexibility to adapt to change.
• Analyses and evaluates a range of information to produce insightful analysis, recommendations and advice to influence decisions in relevant areas of the business.