IMPAIRMENT MANAGER

£80,000

LONDON

THE COMPANY

This role is with an exciting business in the consumer lending space. They have grown significantly over the past few years and are looking to add a motivated and experienced individual within their growing team. This role offers the chance to take control of their impairment function and take on a challenging role that will give you excellent exposure and experience.

THE ROLE

This position will see you:

• Lead monitoring of impairment models and the enhancement and recalibration of these models
• Work within the Impairment team more broadly on governance, controls, and reporting for these models
• Perform ad-hoc analysis as required and suggest solutions based on your analysis
• Have a broad understanding of impairment impacts across the bank and products
• Broader day to day management of impairment models across the bank

YOUR SKILLS AND EXPERIENCE

This company is seeking someone with:

• Prior experience in working with impairment models and reporting
• Experience in consumer lending or retail banking
• Experience in IFRS9 modelling and experience in enhancing and testing these models
• Experience working with credit cards or loans is highly desirable

SALARY AND BENEFITS

• Up to £80,000 base salary
• Pension contribution scheme
• Discretionary bonus
• Hybrid work model
• Private medical cover

HOW TO APPLY

Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

HEAD OF COLLECTIONS

UP TO £100,000

LONDON

A cohesive, tech-driven lender is looking for a Head of Collections to head up the strategy on their credit card and loan products. This is arguably the most critical role in the business right now.

THE COMPANY:

This lender is fast-paced, dynamic, and flexible to suit their employee’s needs. You’ll be joining at a time when the company is implementing a brand-new communication platform to add to the fascinating data you’ll be analysing.

THE ROLE:

As a Head of Collections, you’ll be involved in the following:

• Manage two talented collections strategy analysts
• Develop and deliver collections strategies
• Lead the commercial function
• Work end-to-end on collections strategy across their cards and loans products
• Utilise Machine Learning techniques when needed

YOUR SKILLS AND EXPERIENCE:

The successful Head of Collections will have the following skills and experience:

• Strong SAS, SQL, or Python experience
• Experience in near-prime and/or subprime lending
• Previous experience working for a FinTech lender on unsecured products
• Ideally, at least 1+ years’ experience managing a collections team
• Highly familiar with implementing collections strategies

THE BENEFITS:

You will receive the following benefits:

• 20% bonus
• Up to 30 days holiday per year
• Key focus on equality and diversity
• Well-being program

HOW TO APPLY:

Please register your interest by sending your CV to Kai Nicholls via the Apply link on this page.

Senior Credit Risk Manager

Up to £96,000 + Bonus

Hybrid – North London

A great opportunity for an individual with experience in credit risk and impairment strategy to join one of the UK’s leading financial services providers

The Company

Joining one of the UK’s leading financial services companies and providers of consumer credit – this role will provide a great opportunity to progress in your career.

In this role, you will be supporting and enhancing the businesses impairment methodology framework – this will include work mainly across IFRS9 modelling and methodology. You will also be responsible for the management of a team of junior and senior analysts.

The Role and Responsibilities

• Working on model development and model implementation
• Taking ownership of all IFRS9 activities within the team
• Supporting IFRS9 modelling techniques, methodology, testing and validation
• Line management of junior and senior analysts

Your Skills and Experience

• Strong knowledge of impairments/provisions within retail banking
• Proven background in working across credit cards/financial services
• Experience in IFRS9 model development
• Strong knowledge of SAS/SQL/Python

The Benefits

• Up to £96,000
• On-target bonus + benefits
• Hybrid working

Interview Process

• 2 Stage interview process
• 1^st Stage: Initial 30-minute chat with HM
• 2^nd Stage: Technical and Values Interview

How to Apply

If interested in this role please send your CV to Jordan Victor via the Apply Link below

LEAD CREDIT STRATEGY AND PRODUCT ANALYST
£80,000
LONDON

THE COMPANY

This company is a leader in the finance space, offering a broad range of credit products to its customers and partnering with a number of well-known brands. This award-winning business is forging a new path in consumer finance and this is an exciting opportunity to be part of a brand new team within the business as they look to incorporate open banking as part of their work.

THE ROLE

You’ll be an instrumental part of the implementation of open banking, including:

• Using this data and broader customer analytics to inform lending strategies and make wider recommendations to teams across the business
• Working on wider affordability recommendations and assessing the impact of these
• Using new open banking data to inform wider customer journeys and strategies, including new acquisitions and credit limits
• Liaising with senior members of the team both internally and externally, presenting findings in a clear and concise manner

YOUR SKILLS AND EXPERIENCE:

• Strong knowledge and experience working with SQL or Python
• Experience in developing and maintaining credit risk strategy, ideally with credit cards
• Prior experience in presenting to and communicating with stakeholders
• Ideal to have had prior exposure to open banking data
• Ideal to have prior experience with affordability strategies

SALARY AND BENEFITS

• Up to £80,000 base salary
• Flexible working model
• Discretionary bonus
• Pension contribution scheme
• Broader benefits scheme including medical cover

HOW TO APPLY

Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

LEAD CREDIT RISK ANALYST

UP TO £80,000

LONDON

A huge UK credit card provider is on the search for a Lead Credit Risk Analyst to join their data-driven lending organisation. As a Lead Credit Risk Analyst, you’ll be involved in the most crucial credit decisions across the lender.

THE COMPANY:

This is your chance to make an impact in an organisation that revolves everything around its credit risk team’s. With their multiple product offerings including their new Buy Now Pay Later product, you’ll be working for a company that supports millions of customers every day.

THE ROLE:

As a Lead Credit Risk Analyst, you’ll be involved in the following:

• Joining their brand-new affordability team
• Focal point in bringing in Open-Banking
• Lead the charge in making more accurate affordability assessments
• Use fascinating open banking data to make informed strategy decisions
• Utilise Python and SQL to analyse customer acquisitions

YOUR SKILLS AND EXPERIENCE:

The successful Lead Credit Risk Analyst will have the following skills and experience:

• Highly skilled in using SQL and Python
• Previous experience implementing acquisition strategies or affordability strategies
• Experience using Tableau or Power BI would be ideal
• Ideally, you will have Open Banking experience
• Exposure to credit card products

THE BENEFITS:

You will receive the following benefits:

• 14% employer-contributed pension
• Up to 30 days AL
• Life assurance
• Private healthcare
• Discounts at some huge brands

HOW TO APPLY:

Please register your interest by sending your CV to Kai Nicholls via the Apply link on this page.

SENIOR AFFORDABILITY SPECIALIST

FROM £70,000 UP TO £81,000 + BENEFITS

LONDON (HYBRID)

This is an unmissable opportunity if you are an ambitious Affordability Specialist that’s looking to develop and grow your skills in the industry while working with a well-established FinTech in the UK.

THE COMPANY

This company is heavily driven by Data and Analytics and is looking for a Senior Affordability Specialist that will be able to identify and develop innovative strategy solutions. There is huge scope for growth in this role as you will participate in large-scale projects across multiple business verticals. The flat structure of the company means that no one is in the way of undertaking additional responsibility and promotions if you are trying to climb the corporate ladder.

THE ROLE

This position would be part of the new affordability team. Within this role, you would be:

• Look at models to inform new strategies to mitigate risk and improve profitability.
• Assess how stable the decisions being made are and undertake analytical research to provide insights that can improve the outcome decision process.
• Take the lead in developing a new suite of automated affordability-based monitoring using open banking data.

SKILLS & EXPERIENCE

• Strong coding knowledge of SQL or Python, ideally both.
• Previous experience in open banking or affordability assessments.

• Knowledge of the governance surrounding the affordability process.
• Good written and verbal communication skills.
• Must have a strong numerate degree.

SALARY & BENEFITS

• From £70,000 up to £81,000pa base salary.
• Hybrid working (2-3 days in the office)
• Double-matched pension contributions
• Up to a 15% bonus

HOW TO APPLY

Please register your interest by applying directly to this advert on LinkedIn.

Senior Affordability Product Analyst

London, hybrid

Up to £80,000 + Competitive Bonus & benefits

THE COMPANY

Join one of the largest challenger banks in the UK, disrupting the e-commerce space and creating innovative solutions that benefit both the customer and their employees. You will be given the opportunity to define the scope of your career as well as multiple opportunities to gain first-class training in some of the most sought-after technologies, working with the wider Credit Risk and strategy teams. This FinTech is hugely data-driven, being one of the first UK financial Services companies to become fully serverless on AWS and Snowflake, using data to drive every decision made across the business which means they also pride themselves on adopting the latest tech!

THE ROLE

In this role, you will be a key member of the brand-new affordability team, with you specifically owning the open-banking integration, bringing in open-banking data to increase reliability of affordability statements and using this data to inform strategies across the business and look at new acquisitions.

Key Responsibilities:

• Use SQL and Python to run deep-dive analysis, assessing each and every customer in order to ensure credit decisions are at their best.
• Own and embed a new Open Banking journey across all lending strategies, working with data scientists and credit risk analysts to analyse their models and data in order to innovate current strategies, assessing how they can best use open-banking data and where to best affordability strategies.
• Analyse vast amounts of raw data with SQL and Python, generating detailed data insights and automating affordability-based monitoring across various portfolios.

KEY SKILLS & REQUIREMENTS

• Proficient programming skills with SQL/Python
• Credit risk background with experience working on a credit product i.e. credit cards, mortgages, loans etc
• Open banking or affordability experience

BENEFITS

Partnered with large tech provider for immersive training

Regular salary reviews

Hybrid working

Flat structure, frequent promotion cycles

Hugely advanced & data-driven FinTech

Double Matched Pension

Ownership of a completely new product

HOW TO APPLY

Interested? Please register your interest by submitting your CV directly by applying to this advert.

Senior Affordability Analyst

Up to £81,000

Hybrid – North London

A great opportunity for an individual with experience in credit risk and affordability to join one of the UK’s leading financial services providers

The Company

Joining one of the UK’s leading financial services companies and providers of consumer credit – this role will provide a great opportunity to progress in your career.

In this role, you will be joining their Affordability Product team and ensuring that the business has the right affordability assessment approach – using the right data for each customer to make appropriate decisions. And you will use your analytical expertise to deliver high-quality business and customer outcomes.

The Role and Responsibilities

• Optimisation and analysis of raw data to generate insights
• On boarding and embedding a new Open banking journey across lending strategies
• Establishing the new affordability product team via taking ownership of affordability decisions
• Undertaking full suite of automated affordability-based monitoring

Your Skills and Experience

• Strong experience in SQL or Python
• Proven background in working across credit cards/financial services
• Experience in Open Banking/Affordability

The Benefits

• Up to £81,000
• On-target bonus + benefits
• Hybrid working

Interview Process

• 2 Stage interview process
• 1^st Stage: Initial 30-minute chat with HM
• 2^nd Stage: Technical and Values Interview
• Case study will also be a part of the process

How to Apply

If interested in this role please send your CV to Jordan Victor via the Apply Link below

SENIOR COLLECTIONS STRATEGY ANALYST

£70,000

LONDON

THE COMPANY

This successful FinTech has been growing significantly and has exciting plans and projects in the pipeline. They are seeking an experienced candidate to work directly on their collections strategy and policy, offering the chance to join a close-knit team and have a hands-on role where you can really impact the business.

THE ROLE

Within this, you can expect to work on:

• Developing and defining collections strategy for the business, with a specific focus on customer experience and outcomes
• Ensuring compliance with regulatory standards and policies
• Maintaining and improving existing collections strategies
• Supporting with the implementation and wider impact of these policies

YOUR SKILLS AND EXPERIENCE

• Previous experience in designing and working with collections strategies
• Understanding of UK regulatory standards
• Experience in stakeholder management and communication
• Strong analytical skills and a desire to get stuck in to influence change
• Strong SQL skills

SALARY AND BENEFITS

• Up to £70,000 base salary
• Hybrid work model
• Private medical care
• 25 days holiday

HOW TO APPLY

Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link