Credit Officer - Embedded Finance

Are you a highly motivated and analytically minded professional seeking an impactful role in credit risk within a forward-thinking financial institution? This Credit Officer position within the Embedded Finance Credit Risk team presents a compelling opportunity for career growth and development.

The role is situated within the Chief Credit Office, where you will be instrumental in the design, implementation, and oversight of credit risk strategies, ensuring portfolio performance aligns with risk appetite. This is a dynamic period for the team as they expand into new business propositions, making this an exciting time to join and contribute to shaping the future of lending decisions.

Key Advantages for Candidates:

• Strategic Impact: You will directly influence credit risk strategies for new and existing Embedded Finance products, playing a crucial role in responsible lending and balancing risk with growth objectives.
• Continuous Learning & Development: The position offers ample opportunities to stay abreast of industry trends, regulatory changes, and data innovations, fostering a culture of continuous learning and adaptation.
• Collaborative Environment: You'll work closely with cross-functional teams, including product, engineering, and external partners, promoting a collaborative approach to product development and risk management.
• Mentorship Opportunities: The role involves providing coaching and mentorship to junior team members, allowing you to hone your leadership and development skills.
• Flexible Working: The organization supports flexible working arrangements, including job sharing and hybrid work models, promoting a healthy work-life balance.
• Comprehensive Benefits: A generous benefits package is offered, including a strong pension contribution, performance-related bonuses, share schemes, adaptive lifestyle benefits, ample holiday allowance, and robust wellbeing and parental leave policies.
• Commitment to Diversity & Inclusion: The organization is dedicated to building an inclusive workplace that celebrates diversity, offering workplace adjustments and initiatives to support all colleagues.

Key Considerations for Candidates:

• Numerate and Analytical Prowess: A strong foundation in numerate skills and proven analytical expertise, including proficiency in tools like SAS, SQL, and Excel, is essential. A degree in a quantitative subject or equivalent experience is a prerequisite.
• Credit Risk Experience: Prior experience in managing credit risk using automated strategies and scorecards, coupled with a solid understanding of risk vs. reward and risk appetite, is required.
• Change Management Skills: The ability to initiate and facilitate change is critical, as the team is actively adapting to a changing world and expanding into new propositions.
• Communication and Collaboration: Effective communication skills are vital for explaining complex insights to diverse audiences and building strong relationships with stakeholders.
• Regulatory Understanding: A good understanding of regulatory compliance and conduct risk for fair customer outcomes is expected.
• Hybrid Working Model: While flexible, the role operates on a hybrid model, requiring 40% (or two days) of office attendance in Chester, Halifax, or Leeds.

This Credit Officer position offers a fantastic platform for individuals looking to make a significant contribution to credit risk management within a supportive and progressive organization. If you possess a strong analytical skillset, a passion for responsible lending, and a desire for continuous professional growth, this opportunity could be an excellent fit for your career path.