Head of Finance, Milton Keynes (£75,000 - £80,000) We are currently supporting a global Renewable Energy company in their search for an experienced Head of Finance. As Head of Finance, you will provide overall strategic development and direction for the Finance function within the UK Operations. You will work in partnership with the Executive Leadership Team, as well as the Managing Director, providing decision making support and challenge on all finance related matters to support the business in its strategic growth. Key areas of responsibility: Manage the Finance department to provide timely and accurate production of monthly management and statutory accounts, including financial management reporting and Board packs Create transparency on financial risks and derive measures with a clear focus on profitability Perform complex decision-based analysis of strategic initiatives to influence the key stakeholders by challenging critical assumptions Establish and deliver performance monitoring reports with clear escalation and intervention processes and thresholds Follow up on key business decisions and their financial results to ensure a pro-active steer for continuous business improvement and optimisation of the ROI Manage cash flow and working capital for the company and complete monthly cash planning and liquidity forecasts in the Group treasury information platform Ensure overall tax compliance for the business, including the accurate and timely completion of tax year-end returns working with external auditors and advisors Undertake all financial assignments required and requested by the Managing Director, the Executive Leadership Team, or the Board including financial modeling for strategic decisions Your profile: Professional accounting qualification (CA, ACCA or CIMA) Several years' experience working in a senior finance role Demonstrated experience in providing strong financial support and accurate, consolidated information Good knowledge of International Financial Reporting Standards and UK GAAP (IFRS / FRS 101) Ability to efficiently multi-task, with proficient organisational and time management skills Impeccable attention to detail Demonstrated ability to lead, manage, facilitate, consult, and participate in various seniority level discussions Excellent verbal communication skills Demonstrated experience in effecting change and process efficiencies The role has been created on the back of continued growth across their UK operations, and will offer the successful individual with the opportunity to put their own stamp on the role and mould the role as they see fit. It's an exciting time to be joining the business and the role itself will offer a fantastic platform for a forward thinking, highly driven, commercially minded individual.
Dec 13, 2022
Full time
Head of Finance, Milton Keynes (£75,000 - £80,000) We are currently supporting a global Renewable Energy company in their search for an experienced Head of Finance. As Head of Finance, you will provide overall strategic development and direction for the Finance function within the UK Operations. You will work in partnership with the Executive Leadership Team, as well as the Managing Director, providing decision making support and challenge on all finance related matters to support the business in its strategic growth. Key areas of responsibility: Manage the Finance department to provide timely and accurate production of monthly management and statutory accounts, including financial management reporting and Board packs Create transparency on financial risks and derive measures with a clear focus on profitability Perform complex decision-based analysis of strategic initiatives to influence the key stakeholders by challenging critical assumptions Establish and deliver performance monitoring reports with clear escalation and intervention processes and thresholds Follow up on key business decisions and their financial results to ensure a pro-active steer for continuous business improvement and optimisation of the ROI Manage cash flow and working capital for the company and complete monthly cash planning and liquidity forecasts in the Group treasury information platform Ensure overall tax compliance for the business, including the accurate and timely completion of tax year-end returns working with external auditors and advisors Undertake all financial assignments required and requested by the Managing Director, the Executive Leadership Team, or the Board including financial modeling for strategic decisions Your profile: Professional accounting qualification (CA, ACCA or CIMA) Several years' experience working in a senior finance role Demonstrated experience in providing strong financial support and accurate, consolidated information Good knowledge of International Financial Reporting Standards and UK GAAP (IFRS / FRS 101) Ability to efficiently multi-task, with proficient organisational and time management skills Impeccable attention to detail Demonstrated ability to lead, manage, facilitate, consult, and participate in various seniority level discussions Excellent verbal communication skills Demonstrated experience in effecting change and process efficiencies The role has been created on the back of continued growth across their UK operations, and will offer the successful individual with the opportunity to put their own stamp on the role and mould the role as they see fit. It's an exciting time to be joining the business and the role itself will offer a fantastic platform for a forward thinking, highly driven, commercially minded individual.
Head of Agile PMO Circa £100,000 Edinburgh with hybrid working Change Digital Recruitment is recruiting a Head of Agile PMO on behalf of a nationally recognised financial services company. Based in Edinburgh, Scotland this company provide a broad range of financial products to consumers ranging from savings accounts through to loans and home insurance. As part of an ongoing business transformation programme the organisation are adopting an agile approach to project delivery across the organisation. Based in Edinburgh the role is responsible for leading a team that helps prioritise work that delivers most value and achieves the company's strategic aims. This role reports into the Head of Lean Portfolio Management and the LPM function will make the organisation a a more efficient, agile, and sustainable organisation by driving successful execution patterns, standard program measures and reporting across the lean portfolio. Key responsibilities: Agile Portfolio Management - Initiate and lead the governance and delivery of programs within a significant area of responsibility, using an appropriate program and project management methodology Project Benefit Realization - Lead the development and implementation of a long-term strategy to ensure that intended business benefits are realized and tracked Project Governance - Ensure that roles and responsibilities are clearly defined within the project delivery and program management office teams and ensure program and project compliance with the organization's wider governance structures and processes Leadership and Direction - Identify and communicate the actions needed to implement the function's strategy and business plan within the business area or department Stakeholder Management - Develop and implement stakeholder engagement strategies and plans across the program to identify relevant stakeholders, to create mutually supportive working relationships, and to ensure that each stakeholder has an appropriate share of voice at both project and program levels Experience and skills Previous experience of leading an Agile PMO function and working within an Agile transformation Previous experience of leading an Agile PMO function within a regulated environment would be very advantageous Agile delivery experience, setting and supporting the transition from traditional to Agile ways of working Experience, knowledge and understanding of Scaled Agile Framework (SAFe) would be preferred for this role. Highly organised with an analytical approach to problem solving. Experience of interpreting strategy and policy to set and deliver objectives within medium to long time frames Strong stakeholder management skills Strong man-management and leadership skills
Dec 12, 2022
Full time
Head of Agile PMO Circa £100,000 Edinburgh with hybrid working Change Digital Recruitment is recruiting a Head of Agile PMO on behalf of a nationally recognised financial services company. Based in Edinburgh, Scotland this company provide a broad range of financial products to consumers ranging from savings accounts through to loans and home insurance. As part of an ongoing business transformation programme the organisation are adopting an agile approach to project delivery across the organisation. Based in Edinburgh the role is responsible for leading a team that helps prioritise work that delivers most value and achieves the company's strategic aims. This role reports into the Head of Lean Portfolio Management and the LPM function will make the organisation a a more efficient, agile, and sustainable organisation by driving successful execution patterns, standard program measures and reporting across the lean portfolio. Key responsibilities: Agile Portfolio Management - Initiate and lead the governance and delivery of programs within a significant area of responsibility, using an appropriate program and project management methodology Project Benefit Realization - Lead the development and implementation of a long-term strategy to ensure that intended business benefits are realized and tracked Project Governance - Ensure that roles and responsibilities are clearly defined within the project delivery and program management office teams and ensure program and project compliance with the organization's wider governance structures and processes Leadership and Direction - Identify and communicate the actions needed to implement the function's strategy and business plan within the business area or department Stakeholder Management - Develop and implement stakeholder engagement strategies and plans across the program to identify relevant stakeholders, to create mutually supportive working relationships, and to ensure that each stakeholder has an appropriate share of voice at both project and program levels Experience and skills Previous experience of leading an Agile PMO function and working within an Agile transformation Previous experience of leading an Agile PMO function within a regulated environment would be very advantageous Agile delivery experience, setting and supporting the transition from traditional to Agile ways of working Experience, knowledge and understanding of Scaled Agile Framework (SAFe) would be preferred for this role. Highly organised with an analytical approach to problem solving. Experience of interpreting strategy and policy to set and deliver objectives within medium to long time frames Strong stakeholder management skills Strong man-management and leadership skills
Finance Business Partner - Edinburgh Change Recruitment Group are delighted to be working in partnership with an Edinburgh based organisation, who are looking to appoint a Finance Business Partner to join their busy finance function. Working closely with the Head of Finance Business Partnering, this role has responsibility for all aspects of management accounting, budgeting/financial planning and reforecasting, monitoring/reporting and financial KPI's. Key responsibilities: • Work with Directors and department heads to build budgets and financial plans from the bottom-up, which will feed into the overall financial planning process • Ensure that appropriate processes are in place for timely financial reporting, through co-ordinated collation and production of comprehensive monthly management accounts • Production and interpretation of a wide variety of regular financial data and analysis, including financial KPIs for specific business area. This data/analysis will be utilised for several internal and external purposes including KPI's and external financial reporting • Provide leadership for staff, ensuring that all aspects of management, development and review are in place across the team • Play a key part in defining and shaping services of the Finance Function during and post implementation of ERP • Influence and challenge the decision-making of senior colleagues by providing professional persuasive financial expertise • Support improvements to the efficiency and effectiveness of the management accounting processes and controls, including effective KPI reporting, process mapping and responsibility definition • Deliver changes to processes that support the new ERP system Key skills and experience: • Recognised accountancy qualification e.g. CPFA, CIMA, ACCA, CA, CPFA, ACA • Ideally 3 years of post-qualification financial and management accounting experience within a large, complex organisation • Ability to work closely with stakeholders across all levels of the organisation • Experience of budgeting and strategic planning within a complex environment • Develop, review and quality assure business cases with colleagues and with non-finance professionals • Experience of working with and influencing senior management • Excellent interpersonal, influencing and presentation skills • Research, analyse and present complex information effectively with good attention to detail • High level planning and organisational skills with the ability to prioritise major developments and to function effectively in a pressured environment • Competent user of IT packages This this is a great opportunity to work alongside side an experienced team and develop within a supportive environment. In return the role offers a competitive salary, along with an extensive benefit package and a hybrid working environment. If you feel you meet the above criteria and are looking for your next opportunity, please send your CV at the earliest opportunity to Claire Dearlove.
Dec 08, 2022
Full time
Finance Business Partner - Edinburgh Change Recruitment Group are delighted to be working in partnership with an Edinburgh based organisation, who are looking to appoint a Finance Business Partner to join their busy finance function. Working closely with the Head of Finance Business Partnering, this role has responsibility for all aspects of management accounting, budgeting/financial planning and reforecasting, monitoring/reporting and financial KPI's. Key responsibilities: • Work with Directors and department heads to build budgets and financial plans from the bottom-up, which will feed into the overall financial planning process • Ensure that appropriate processes are in place for timely financial reporting, through co-ordinated collation and production of comprehensive monthly management accounts • Production and interpretation of a wide variety of regular financial data and analysis, including financial KPIs for specific business area. This data/analysis will be utilised for several internal and external purposes including KPI's and external financial reporting • Provide leadership for staff, ensuring that all aspects of management, development and review are in place across the team • Play a key part in defining and shaping services of the Finance Function during and post implementation of ERP • Influence and challenge the decision-making of senior colleagues by providing professional persuasive financial expertise • Support improvements to the efficiency and effectiveness of the management accounting processes and controls, including effective KPI reporting, process mapping and responsibility definition • Deliver changes to processes that support the new ERP system Key skills and experience: • Recognised accountancy qualification e.g. CPFA, CIMA, ACCA, CA, CPFA, ACA • Ideally 3 years of post-qualification financial and management accounting experience within a large, complex organisation • Ability to work closely with stakeholders across all levels of the organisation • Experience of budgeting and strategic planning within a complex environment • Develop, review and quality assure business cases with colleagues and with non-finance professionals • Experience of working with and influencing senior management • Excellent interpersonal, influencing and presentation skills • Research, analyse and present complex information effectively with good attention to detail • High level planning and organisational skills with the ability to prioritise major developments and to function effectively in a pressured environment • Competent user of IT packages This this is a great opportunity to work alongside side an experienced team and develop within a supportive environment. In return the role offers a competitive salary, along with an extensive benefit package and a hybrid working environment. If you feel you meet the above criteria and are looking for your next opportunity, please send your CV at the earliest opportunity to Claire Dearlove.
Credit Control Team Leader - Edinburgh Change Recruitment Group are delighted to be working in partnership with one of their clients in the search for an experienced Credit Control Team Leader. This is a newly created position due to the growth of the business and is a great opportunity for an experienced Credit Controller to work as a business partner, working closely with existing Team Leaders. Key responsibilities will include: • Managing and supporting the credit control team • Manage and resolving escalations • Reduction of aged debt within business unit • Working closely with departments to maximise cash collections • Support the Credit Control Manager • Developing stakeholder relationships • Have an overview of business and team processes • Producing reports The successful candidate will have the following skills and experience: • Experience in a similar position, supervising and leading a team is essential • Ability to motivate a team, actively promoting teamwork both within the credit control team and across the wider group • Strong credit control experience • Ability to work in a changing and fast paced environment • Experience with multiple platforms and data sets • Excellent communication skills and the ability to develop strong working relationships with customers and colleagues across the business • Strong Excel skills • Good problem-solving skills; proactively identifying issues and implementing solutions This role will be a great opportunity to develop within a dynamic credit function. In return they offer a very competitive salary and benefit package. If you have the above experience and would like to apply for the role then please submit your CV at the earliest opportunity to Claire
Dec 01, 2022
Full time
Credit Control Team Leader - Edinburgh Change Recruitment Group are delighted to be working in partnership with one of their clients in the search for an experienced Credit Control Team Leader. This is a newly created position due to the growth of the business and is a great opportunity for an experienced Credit Controller to work as a business partner, working closely with existing Team Leaders. Key responsibilities will include: • Managing and supporting the credit control team • Manage and resolving escalations • Reduction of aged debt within business unit • Working closely with departments to maximise cash collections • Support the Credit Control Manager • Developing stakeholder relationships • Have an overview of business and team processes • Producing reports The successful candidate will have the following skills and experience: • Experience in a similar position, supervising and leading a team is essential • Ability to motivate a team, actively promoting teamwork both within the credit control team and across the wider group • Strong credit control experience • Ability to work in a changing and fast paced environment • Experience with multiple platforms and data sets • Excellent communication skills and the ability to develop strong working relationships with customers and colleagues across the business • Strong Excel skills • Good problem-solving skills; proactively identifying issues and implementing solutions This role will be a great opportunity to develop within a dynamic credit function. In return they offer a very competitive salary and benefit package. If you have the above experience and would like to apply for the role then please submit your CV at the earliest opportunity to Claire
Salary to circa £80k plus an excellent benefits package Change Recruitment are working with an innovative, dynamic Financial Services client based in Edinburgh who are looking for a Senior Credit Risk Manager - Acquisitions. Working alongside the Head of Credit Risk for Acquisitions, you will be involved in the development and ongoing optimisation of new and innovative credit strategies for Acquisitions, making the best use of Open Banking and new sources of data. The head office is Edinburgh but full remote working is supported Key aspects of the role Leading a team of analysts to be at the forefront of new and emerging technology and techniques, to continue the Bank's leading position in leveraging Open Banking and Group data, and new sources of data Using market analysis/big data to shape opportunities, translating them from ideas into tangible initiatives that are supported by business cases Working cross-function to obtain buy-in from senior leaders, and interlocking new initiatives into the Customer strategy Project managing new initiatives from conception through to execution, managing requests for investment where required Maintaining a strong pipeline of initiatives, reviewing these regularly to ensure the prioritisation is optimal Building effective internal and external networks to develop understanding of strategic priorities, and remain abreast of best market practice Tracking performance of changes against expectation, driving corrective action where necessary Leading activities to understand the impacts that changes are having on customers Monitoring results from customer research to identify unmet customer needs Ensuring lending remains within the Bank's appetite and credit quality is in line with expectations Producing high quality papers and presenting at senior committees, using a range of influencing skills to gain support from key stakeholders Maintaining full compliance with the Bank's policies, business risk controls and procedures Role-modelling the behaviours in the Bank's leadership framework to ensure we consider 'how' we deliver as well as 'what' Playing a key role in making the Bank an inspirational, innovative, healthy and enjoyable place to work Ideal experience and skills required for this role: The ability to lead a high-performing team of technical and specialist professionals Strong understanding of statistical techniques, credit systems and data, including new and emerging technology Extensive experience within a Credit Risk function or similar analytical role Extensive knowledge of retail credit risk management techniques Experience with SAS or other statistical packages to support team coaching Demonstrable experience in managing demanding workloads Multi product knowledge across the customer lifecycle Previous leadership experience and team management skills would be beneficial This is an excellent opportunity to flourish in an environment that puts a premium on personal progression. As long as you bring the attitude for achievement, this firm will provide a future shaped by success. To apply and find out more, please contact Scott for a confidential chat
Dec 07, 2021
Full time
Salary to circa £80k plus an excellent benefits package Change Recruitment are working with an innovative, dynamic Financial Services client based in Edinburgh who are looking for a Senior Credit Risk Manager - Acquisitions. Working alongside the Head of Credit Risk for Acquisitions, you will be involved in the development and ongoing optimisation of new and innovative credit strategies for Acquisitions, making the best use of Open Banking and new sources of data. The head office is Edinburgh but full remote working is supported Key aspects of the role Leading a team of analysts to be at the forefront of new and emerging technology and techniques, to continue the Bank's leading position in leveraging Open Banking and Group data, and new sources of data Using market analysis/big data to shape opportunities, translating them from ideas into tangible initiatives that are supported by business cases Working cross-function to obtain buy-in from senior leaders, and interlocking new initiatives into the Customer strategy Project managing new initiatives from conception through to execution, managing requests for investment where required Maintaining a strong pipeline of initiatives, reviewing these regularly to ensure the prioritisation is optimal Building effective internal and external networks to develop understanding of strategic priorities, and remain abreast of best market practice Tracking performance of changes against expectation, driving corrective action where necessary Leading activities to understand the impacts that changes are having on customers Monitoring results from customer research to identify unmet customer needs Ensuring lending remains within the Bank's appetite and credit quality is in line with expectations Producing high quality papers and presenting at senior committees, using a range of influencing skills to gain support from key stakeholders Maintaining full compliance with the Bank's policies, business risk controls and procedures Role-modelling the behaviours in the Bank's leadership framework to ensure we consider 'how' we deliver as well as 'what' Playing a key role in making the Bank an inspirational, innovative, healthy and enjoyable place to work Ideal experience and skills required for this role: The ability to lead a high-performing team of technical and specialist professionals Strong understanding of statistical techniques, credit systems and data, including new and emerging technology Extensive experience within a Credit Risk function or similar analytical role Extensive knowledge of retail credit risk management techniques Experience with SAS or other statistical packages to support team coaching Demonstrable experience in managing demanding workloads Multi product knowledge across the customer lifecycle Previous leadership experience and team management skills would be beneficial This is an excellent opportunity to flourish in an environment that puts a premium on personal progression. As long as you bring the attitude for achievement, this firm will provide a future shaped by success. To apply and find out more, please contact Scott for a confidential chat
Senior Modelling Analyst- Lochside, Edinburgh Change Recruitment are working with a successful, dynamic financial services client who is looking for a Senior Modelling Analyst. As the Senior Modelling Analyst, you will be a part of the Credit Risk Modelling team which manages the Bank's credit models for all lending products. These include application and behaviour scorecards as well as the IFRS9 provision models (PD, EAD and LGD models). Application / behaviour scorecards are used for credit assessment at point of application and throughout the account lifecycle (fraud at point of application, account management and collections and recoveries). Reporting to the Credit Risk Modelling Manager, you will be developing accurate and reliable credit risk statistical models. Responsibilities · Development of accurate and reliable credit risk statistical models (together with the associated documentation). Manage the timescales, co-ordinating meetings and take the lead in the project, making sure the project complies with the Model Standards, where applicable. · Provide advice and support on statistical modelling techniques within the team and to other areas within the company, undertaking ad-hoc data analysis and data mining to investigate specific areas of concern and provide information in an appropriate format for the audience. · Liaise regularly with business areas to keep abreast of new business initiatives and proactively highlight any potential modelling or scoring changes to Management, helping to shape the modelling strategy. · Produce regular model performance monitoring, ensuring comparisons are accurate, pertinent and relevant for all Retail Credit Risk models, both Application and Behavioural. · Keep abreast of research techniques, attend academic forums and where possible initiate projects to evaluate the benefits new credit risk quantification techniques may bring to risk management practices. Keep abreast of all regulatory and legislative changes. Requirements · Highly numerate with a degree in a mathematical/statistical/engineering discipline. · Experience in the development of statistical/optimisation modelling solutions. · Experienced and competent in the use of computer based software statistical packages (e.g. SAS or SPSS) and/or data mining applications. · Experience in the development, application and implementation of powerful credit risk quantitative techniques (e.g. regression, stochastic processes, etc.) in an industry where statistical prediction is of strategic importance. · Comprehensive knowledge of consumer lending products and markets. Experience with a well-regarded credit business is highly desirable. · Experience in the financial services industry. · Strong relationship management skills. · Excellent verbal and written communication skills. Able to convey technical issues to non -technical colleagues. If you are interested in this prestigious opportunity, please contact Rosina Borrelli.
Dec 03, 2021
Full time
Senior Modelling Analyst- Lochside, Edinburgh Change Recruitment are working with a successful, dynamic financial services client who is looking for a Senior Modelling Analyst. As the Senior Modelling Analyst, you will be a part of the Credit Risk Modelling team which manages the Bank's credit models for all lending products. These include application and behaviour scorecards as well as the IFRS9 provision models (PD, EAD and LGD models). Application / behaviour scorecards are used for credit assessment at point of application and throughout the account lifecycle (fraud at point of application, account management and collections and recoveries). Reporting to the Credit Risk Modelling Manager, you will be developing accurate and reliable credit risk statistical models. Responsibilities · Development of accurate and reliable credit risk statistical models (together with the associated documentation). Manage the timescales, co-ordinating meetings and take the lead in the project, making sure the project complies with the Model Standards, where applicable. · Provide advice and support on statistical modelling techniques within the team and to other areas within the company, undertaking ad-hoc data analysis and data mining to investigate specific areas of concern and provide information in an appropriate format for the audience. · Liaise regularly with business areas to keep abreast of new business initiatives and proactively highlight any potential modelling or scoring changes to Management, helping to shape the modelling strategy. · Produce regular model performance monitoring, ensuring comparisons are accurate, pertinent and relevant for all Retail Credit Risk models, both Application and Behavioural. · Keep abreast of research techniques, attend academic forums and where possible initiate projects to evaluate the benefits new credit risk quantification techniques may bring to risk management practices. Keep abreast of all regulatory and legislative changes. Requirements · Highly numerate with a degree in a mathematical/statistical/engineering discipline. · Experience in the development of statistical/optimisation modelling solutions. · Experienced and competent in the use of computer based software statistical packages (e.g. SAS or SPSS) and/or data mining applications. · Experience in the development, application and implementation of powerful credit risk quantitative techniques (e.g. regression, stochastic processes, etc.) in an industry where statistical prediction is of strategic importance. · Comprehensive knowledge of consumer lending products and markets. Experience with a well-regarded credit business is highly desirable. · Experience in the financial services industry. · Strong relationship management skills. · Excellent verbal and written communication skills. Able to convey technical issues to non -technical colleagues. If you are interested in this prestigious opportunity, please contact Rosina Borrelli.
Senior Credit Risk Analyst - Lochside, Edinburgh Change Recruitment are working with a successful, dynamic financial services client who is looking for a Senior Credit Risk Analyst. As the Senior Credit Analyst, you will supporting the Credit Risk team in ensuring the bank lends within agreed risk appetite, which is set by the Bank's board. This is achieved via management of credit risk strategies using scorecards and policies both for managing risk at point of application and account management. Reporting to the Credit Risk Manager, you will be developing credit risk policy - such as building a new suite of scorecards, developing credit decision logic or implementing that logic for the company. There are 5 teams within Credit Risk who perform distinct tasks: · Portfolio Management - Management of credit risk strategies - who to lend to and how much. · Risk Modelling - Build and monitor Credit Risk models to help to decide who we accept and how we measure bad debt. · Provisioning and Forecasting - use models to estimate the bad debt requirements. Forecast bad debt for business planning and for capital management purposes. · Systems - Maintain the IT systems which contain credit risk and financial crime strategy and logic and manage the change process for those systems. · Independent Model oversight - Oversee the bank's model universe ensuring models are built in line with the model policy. Responsibilities · Develop credit risk policy - such as building a new suite of scorecards, developing credit decision logic or implementing that logic for the company. · Lead relationships with Business areas to keep abreast of new business initiatives and proactively highlight any potential Credit Risk impacts. · Identify potential risk management opportunities through data mining of the company's data platforms. · Represent best practice in coding and data analytics - mentoring others where required. · Provide advice and add value to business projects requiring risk management input. · As required, calculate and forecast bad debt provisioning. · Liaise with Credit Reference Agencies and other suppliers and attend benchmarking groups to ensure the bank has a wide knowledge of the tools and techniques being used within the industry · Keep abreast of research techniques, attend academic forums and evaluate the benefits that new credit risk practices / techniques may bring to risk management practices. Requirements · A minimum of 1 year's experience within retail credit risk and a broad knowledge of retail lending products · Proven experience in the use of computer based software statistical packages (e.g. SAS, R, Python or SQL) and/or data mining applications. · Highly numerate with a degree in a relevant discipline. · Well organised, able to prioritise workload and work effectively and accurately under pressure · Strong relationship management skills · Exceptional verbal communication skills. Able to convey technical issues to non-technical colleagues. · Excellent written communication skills - business and project reports, and technical papers. If you are interested in this prestigious opportunity, please contact Rosina Borrelli.
Dec 03, 2021
Full time
Senior Credit Risk Analyst - Lochside, Edinburgh Change Recruitment are working with a successful, dynamic financial services client who is looking for a Senior Credit Risk Analyst. As the Senior Credit Analyst, you will supporting the Credit Risk team in ensuring the bank lends within agreed risk appetite, which is set by the Bank's board. This is achieved via management of credit risk strategies using scorecards and policies both for managing risk at point of application and account management. Reporting to the Credit Risk Manager, you will be developing credit risk policy - such as building a new suite of scorecards, developing credit decision logic or implementing that logic for the company. There are 5 teams within Credit Risk who perform distinct tasks: · Portfolio Management - Management of credit risk strategies - who to lend to and how much. · Risk Modelling - Build and monitor Credit Risk models to help to decide who we accept and how we measure bad debt. · Provisioning and Forecasting - use models to estimate the bad debt requirements. Forecast bad debt for business planning and for capital management purposes. · Systems - Maintain the IT systems which contain credit risk and financial crime strategy and logic and manage the change process for those systems. · Independent Model oversight - Oversee the bank's model universe ensuring models are built in line with the model policy. Responsibilities · Develop credit risk policy - such as building a new suite of scorecards, developing credit decision logic or implementing that logic for the company. · Lead relationships with Business areas to keep abreast of new business initiatives and proactively highlight any potential Credit Risk impacts. · Identify potential risk management opportunities through data mining of the company's data platforms. · Represent best practice in coding and data analytics - mentoring others where required. · Provide advice and add value to business projects requiring risk management input. · As required, calculate and forecast bad debt provisioning. · Liaise with Credit Reference Agencies and other suppliers and attend benchmarking groups to ensure the bank has a wide knowledge of the tools and techniques being used within the industry · Keep abreast of research techniques, attend academic forums and evaluate the benefits that new credit risk practices / techniques may bring to risk management practices. Requirements · A minimum of 1 year's experience within retail credit risk and a broad knowledge of retail lending products · Proven experience in the use of computer based software statistical packages (e.g. SAS, R, Python or SQL) and/or data mining applications. · Highly numerate with a degree in a relevant discipline. · Well organised, able to prioritise workload and work effectively and accurately under pressure · Strong relationship management skills · Exceptional verbal communication skills. Able to convey technical issues to non-technical colleagues. · Excellent written communication skills - business and project reports, and technical papers. If you are interested in this prestigious opportunity, please contact Rosina Borrelli.
