Senior Credit Risk Manager

The Opportunity

We’re changing the mortgage market for the better, helping more people with flexible and competitive products. We're transforming how we do business and are looking for someone to help shape our digital future.

Our success would not have been possible without our Team. Our people differentiate us from the competition through their deep sector knowledge, they are the life force of our business.

TML is a specialist intermediary-only mortgage lender that provides products and criteria that meet the needs of borrowers who are not served by the high street.

The Role & Responsibilities

• A valuable member of the credit risk team providing support to the Head of Credit to direct and influence key lending strategies designed to grow and diversify TMLs mortgage lending offering and ambitious growth program
• Overall responsibility to drive and deliver credit risk guidance to the designing, delivering, and managing of product and criteria approaches for TMLs Residential and BTL lending propositions. This will involve interaction with product and sales teams to ensure an understanding of market needs whilst monitoring the macro environment and staying close to risk appetite limits
• A focus on credit risk MI & analytics on both front and back book pools will be a vital task to drive notable escalations to ensure both preventative and reactive actions in a dynamic environment on multiple loan pool trends
• A crucial contributor to regular credit risk appetite reporting and monitoring, backed by data science, whilst rationalising product, KPI and criteria developments to key stakeholders whilst staying close to wider business strategy. This will need to be undertaken in a timely and accurate manner to support critical reviews of lending activities and loan performance. Articulation both verbally and visually of such information at, department, line management, committee, funder and Group levels is a key competency
• Support the Head of Credit Risk in discharging their responsibilities in maintaining an appropriate Credit Risk Management framework and ensuring all credit and affordability related lending policies are adequate to ensure the business operates within set credit risk appetite
• Ensure strategies and proposals are implemented within appetite and as approved
• Monitor Credit Risk KPIs and provide suitable MI reporting and recommendations where necessary, supported by data science and credit risk analytics
• Perform ad hoc analysis / deep dives / thematic reviews where necessary to monitor lending policy related matters, risk characteristics, arrears / defaulter outliers and performance of the portfolio. Continuous improvement on reporting is expected
• Deputising for the Head of Credit Risk where required and attend and represent Credit Risk's views at various committees

The Person

• Strong background in lending policy and internal governance along with good working knowledge of the mortgage industry
• Experience of managing a team with strong stakeholder management skills and a proven track record of collaborating across organisations at multiple levels
• Strong communication and influencing skills with the ability to articulate complex issues clearly and simply to committees
• Good understanding of credit risk concepts for property finance
• Skilled with MS Office applications, an understanding of how spreadsheets and data packages can be used to analyse numerical data
• Experience in building and implementing credit risk strategies
• Strong experience working in financial services in a similar role
• Excellent verbal and written communication skills, including an ability to discuss complex analytical ideas with non-technical colleagues
• Accuracy & attention to detail
• Excellent planning and organisational skills
• Able to work under pressure and to tight deadlines
• Ability to establish effective working relationships with colleagues of all levels
• Ability to work as part of a team and to take project leads
• Ability to work under pressure and to strict deadlines
• Highly knowledgeable with Microsoft Excel and PowerPoint to enable delivery of internal and external reviews of data, production of reports with matrix and graphical content
• Strong focus on treating customers fairly

Reward

Your Wellbeing – we take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include

• Marketing leading family friendly family policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) – offers in you support on a wide range of subject including financial concerns, mental wellbeing and more general queries around family, work, housing and health
• Cycle to work scheme
• Contributory pension scheme & death in Service

Your lifestyle – it is important that you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 25 days holiday per year
• Option to buy or sell holidays through our flexi-holiday scheme
• Health cashback plan through BHSF
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your contribution – We’re focused on rewarding those that go the extra mile in helping us achieve our goals

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Wobblers recognition scheme focused on recognising out role models and thanking out colleagues for a job well done