Company Description We are Together -Proud to be a Financial Services success story based in South Manchester.
Established in 1974, we employ over 700 colleagues.
A specialist lender offering a range of mortgage and secured loan products to individuals and businesses, who are typically underserved by mainstream lenders.
We play our part to turn challenges into opportunities which make our customers' financial ambitions accessible.
Over 50 years of successful trading has positioned Together as a market leader, thanks to a common-sense approach to lending.
Job Description As a Head of Credit Risk , you will be responsible for the second line management of credit risk for the group.
You will have 3 direct reports and own and lead the development of credit risk policies and related standards as well as provide oversight and assurance to the Executive and Board that credit risk is being managed within risk appetite.
You will also develop and provide data and reporting to support insight across the Group Risk Function and be the expert on scorecard modelling and automation for the Transformation programme across the group.
As a Head of Credit Risk , we are looking for someone to: Oversee, challenge and assure the first line credit risk management and reporting for credit risk across all products Own and develop credit risk policies and related standards for all group lending products, ensuring appropriate governance of changes and evidence of key controls Produce credit risk profiles for Exec and Board risk committees, working with first line to ensure all material credit risks have been identified and mitigation actions have been defined and progressed Use your knowledge of the industry and the macroeconomic environment to identify emerging credit risks for the business and develop forecasting models.
Set, via the Board, credit risk appetites; identifying and managing portfolio level credit risks, key exposures and concentration risks.
Qualifications Essential Strong understanding of risk management principles across the credit lifecycle, credit analysis and policies Experience of implementing, scoring and advanced data and analytical techniques throughout the customer journey Experience of implementing scoring and advanced data and analytical techniques throughout the customer journey Experience of secured lending, particularly specialist mortgage lending Experience of managing and developing high performance teams Confidential and influential communicator to Board Level Additional Information Benefits working at Together 26 days holiday (increasing with service), plus bank holidays Buy & sell holidays Discretionary annual bonus Matched pension contribution Life assurance Critical illness cover Health cash plan Private medical insurance Free access to company holiday homes Travel season ticket loans Ride to work scheme Free local gym access Local bar / restaurant discounts Ambition is in our nature and we've created ambitious commitments to make sure we can play our part in protecting the future for generations to come.
Check out our Sustainability page to find out more: https://togethermoney.com/sustainability Together Money embraces diversity and inclusion, and are proud to be an equal opportunity workplace.
Not only do we welcome difference - we celebrate it, support it and really value our colleagues for who they are.
We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.
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