Credit Officer - Unsecured Credit Risk

Competitive + benefits
24 May 2023
12 Jun 2023
Job Type
Risk, Risk Management
Contract Type
Full Time
End date

Monday 12 June 2023

Salary range

We support agile working

Click here for more information on agile working options.

Agile Working Options

Hybrid Working

Job description

Our core purpose is to maintain a resilient portfolio through sustainable lending, to deliver the best outcomes for customers and partners. We do this by taking ownership to act, while supporting each other and valuing difference. You'll work directly with multiple stakeholders within and outside the Credit Risk team, with responsibilities including:
  • Provide credit risk input into new product launches, regulatory topics, business requirements and risk transformation activity.
  • Develop and implement credit risk strategies, including underwriting and credit line assignment while ensuring that actions effectively manage risk and reward, support business objectives and translate into positive portfolio outcomes.
  • Monitor portfolio performance and conduct deep-dive analyses to identify trends and opportunities for improvement.
  • Collaborate with product, engineering, and finance teams to design and implement new products and features that balance risk and growth.
  • Provide coaching and mentorship to junior members within the immediate and wider team to drive performance and development.
  • Stay current on industry trends, regulatory changes, data innovations and competitive landscape to inform credit risk strategies and decisions.

What are we looking for?
  • Analytical expertise - confidence in using Microsoft Office and have understanding of using analytical software, such as SAS or SQL, to deliver insight.
  • Credit Risk - you’ll have experience managing credit risk using automated strategies and scorecards and the financial knowledge of risk vs. reward and managing within risk appetite.
  • Work effectively through change - an ability to initiate and enable change that helps improve the way we do things.
  • Communicating effectively - a strong ability to explain complicated issues clearly to different audiences; technical, non-technical. You’ll build effective relationships with people.
  • Responsible lending - understand regulatory compliance and conduct risk for fair customer outcomes.
  • Collaboration - building effective partnerships and working collaboratively with a wide range of partners to meet shared objectives.
  • Strong numerate skills and qualifications (either A-Level or Degree).


  • Deputising for senior leadership as needed and supporting them to shape the credit risk future.
  • Experience of proposition development.
  • Close attention to detail - as well as ability to stand back and look at the wider picture.

As well as a competitive salary, you’ll receive:

  • A Discretionary Performance Share Award
  • Generous pension contribution
  • 30 Days leave plus bank holidays
  • Flexible benefits
  • Private health cover
  • Access to Share Schemes

You'll enjoy our dedication to your ongoing personal and professional development. We'll help you perform at your best today, so you can fulfil all your potential in the future. We have the scale and breadth to provide you with a diverse range of personal development and a career that’s enriching.

Our team is primarily based around our London, Chester, Cardiff and Halifax offices, but we have colleagues spread all over the UK. As a team we work flexibly following a hybrid working model, combining working from home with travel to our offices. Plus, you’ll be part of an encouraging team who work in a variety of flexible ways to accommodate work-life balance.

We're committed to building a workforce which reflects the diversity of the customers and communities we serve, and to building an inclusive environment where all our colleagues can be themselves and succeed on merit. We're an equal opportunity employer and deeply value diversity within our organisation.

We'll ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

So if you have the skills we’re seeking and you’re looking for your next step, we’d love to hear from you.

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