Credit Risk Manager

This role will require you to work from our central Hubs (Cardiff and Swindon) 1-2 days per week. This will be predominantly in the Cardiff site, but you will be required to attend the Swindon office c. 2 days a month for training, technical workshops and team activities.A fantastic opportunity has become available as a Risk Manager in our thriving Risk Decision Science & Analytical Innovation team – winners of the “Credit Modelling & Risk Team of the Year” at both the 2022 and 2020 Credit Strategy Awards, “Best Use of Technology” at the 2019 Credit Strategy Awards and winners at the Women in Credit Awards for “Rising Star of the Year” (2022 and 2023) and “Team Player of the Year” (#####)As a Risk Manager, with the support of a Risk Manager Lead and/or Senior Manager, you will be responsible for leading projects related to the development risk scorecards and machine learning models in the team. Thus, enabling the delivery of cutting-edge analytical Risk decision tools that optimise decisions across our Retail Lending portfolios (Application, Behavioural and
Collections/Recoveries)
and Economic Crime.The role will require a strong understanding of retail modelling solutions, the application of scorecards into business decisions, and portfolio/member behaviour.Significant hands-on model development experience will be essential, as the role will involve developing and executing solutions to complex business problems.Capability to translate complex issues into a more palatable form for a less technical audience will also be critical to ensure productive relationships with key stakeholders. Furthermore, a strong understanding of the model development process will be required to ensure accurate project plans and delivery of projects to time.People management experience is desirable for you to motivate and enable your team and support the wider team to deliver high quality models. The role involves owning and leading key projects that are responsible for delivering decision tools that will enable the business to make better decisions for our members.If we receive a high volume of relevant applications, we may close the advert earlier than the advertised date, so please apply as soon as you can.What you’ll be doingYour responsibilities will include:Developing, documenting and delivering risk scorecards and machine learning models, employing relevant statistical techniquesEffectively plan and prioritise activities, engaging key risk stakeholdersWorking with stakeholders across the business to deliver and provide expert opinions on the best modelling solutions, from build stages through to safe implementation.Ensuring all risk scorecards and machine learning model developments are high quality and adherent to modelling standards and validation governance.Line management, training, coaching and mentoring less experienced team members in the application and best practise of modellingManaging part of a hybrid working team (working from home and in person), creating a working environment to promote a fantastic team culture alongside high-performance.Communicating model performance to risk committees and senior management.The role will involve engagement with the Systems, Product Risk, Financial Crime, Collections, Recoveries, Retail IRB Modelling & Model Validation teams to ensure that that requirements are understood, met and implementable. You will also be responsible for presenting your projects and insights to the relevant modelling for a and business committees.About youYou’ll need to:Have a strong quantitative degree ideally from a Mathematics or Statistics, or related subjectHave several years’ experience in delivering risk scorecards and/or machine learning models using coding in SAS/Python/R or similarHave hands-on experience of motivating and mentoring a team of technical model developers to deliver risk scorecards and machine learning models for the businessHave a track record of providing innovative and creative modelling solutions to address complex business problemsHave strong knowledge of Retail lending products, ideally both Unsecured and Secured productsHave strong knowledge of Economic Crime and/or Credit Risk modelsBe a highly motivated, creative and industrious individual capable of working on a combination of different activities at onceBe an effective planner, prioritising activities to meet deadlines for self and teamHave strong communication and influencing skills, able to quickly build and maintain good working relationship with a range of diverse stakeholdersOur Customer First behaviours are all about putting customers and members at the heart of how we work together.You can strengthen your application by showing the behaviours that resonate with you, and how you might have already demonstrated these.Say it straight - This is about being honest and direct with good intent and saying what needs to be said in the room. It’s also about being clear, precise, and using language that we and, importantly, our customers and members can understand.Push for better - This is about aiming high and constantly looking for better in how we work together and serve our customers and members.Get it done - This is about prioritising what will have the greatest impact, being decisive and taking accountability for delivering on the end-to-end outcome.We know applying for jobs can sometimes feel like you’re sending an application into a black hole.We review each application individually. So, it’s a good idea to call out your most relevant experience on your application to give yourself the best chance.The extras you’ll getAs part of our team you’ll get:Access to training to help you progress and develop your technical skills and careerPension scheme where if you pay in 7% we’ll top it up to 23%Life assurance worth 8x your salaryThe ability to 'buy’ up to 10 days more holidayFlexible benefits scheme giving you access to discount vouchers at various retail outletsAccess to an annual performance related bonus schemeGympass – Access to a range of free and paid options for health and wellness.25 days holidayWhat makes us differentNationwide is the world’s largest building society. With over 15 million customers, we have a relationship with almost a quarter of the UK’s population. We’ve got the scale to compete with the big banks, but we’re not a bank.As a building society, we’re owned by our members – that’s our customers who have their current account, mortgage or savings with us. It means we can do things differently to deliver our Purpose – Banking – but fairer, more rewarding, and for the good of society.When you work at Nationwide, you can experience that difference for yourself. You’ll be part of a high-performing, purpose-driven organisation that offers rewarding career experiences and a highly competitive range of benefits to match. You’ll also be joining us at an important time as we seek to reach more and more people in the UK. We want everyone in the UK to know that they don’t have to bank with a bank. They can choose a modern mutual instead.What to do nextIf this role is for you, please click the ‘Apply Now’ button. You’ll need to attach your up-to-date CV and answer a few quick questions for us.Send me alerts about jobs like this.Please enter your email address to continue setting up an email alert for similar jobs to this one. By entering your email address and clicking apply you will sign up to Jobs4 and agree to our terms and conditions .Job OverviewID:1049902Date Posted:Posted 2 weeks agoExpiration Date:12/04/2024Location:CardiffCompetitiveSend me alerts about jobs like this.Please enter your email address to continue setting up an email alert for similar jobs to this one. By entering your email address and clicking apply you will sign up to Jobs4 and agree to our terms and conditions .ShareComplete the form below to send this job to a friend.Job LocationComplete the form below to report this job.
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