Portfolio Credit Risk Manager Leatherhead, Surrey Why work for us? This new role is critical to our continued success and reports to the Credit Director. You'll be responsible for credit reporting, performance insights and developing credit strategies. Competitive salary A workplace pension scheme Hybrid working, with collaborative days in our Leatherhead office 25 days annual leave (plus bank holidays), with options to purchase and sell up to 5 days holiday per year (pro rata) Private health and dental cover Support and investment in your personal development 24/7 access to Employee Assistance Programme and Mental Health First Aiders What we do Premium Credit is the leading provider of insurance premium finance and a range of annually charged services, including tax, regulatory and accountancy fees, sports season tickets, memberships and school fees in the UK and Ireland. We are a multi award winning business lending more than £4.5 billion to over 2.5 million customers through a network of almost three thousand partners- and growing. We are a successful business with a Trustpilot rating of 4.5, a Net Promoter Score of 78, a Glassdoor rating of 4.5 and a Silver Sustainability medal. The Role This is an exciting time of growth for us, and we are hiring a Portfolio Credit Risk Manager to help us continue this success. This is a great opportunity to develop a varied and rewarding career with a company that invests in, recognises and rewards its people. Reporting to the Credit Director, you'll play a key strategic role in ensuring we are data-led in decision making and recommend improvements to policies and processes. You'll ensure that we have a detailed understanding of the credit portfolio performance. You'll also look externally at markets and the economy to ensure that we adapt and operate within agreed parameters. You will: - Develop and maintain effective monitoring and reporting of Credit Risk - Track and report loan book performance and key Credit Risk metrics, providing portfolio analysis and modelling - Assist the Credit Director in developing and maintaining Credit Risk models to make decisions, manage and monitor credit quality and credit performance - Provide credit insights and real-time advice to the Credit Director and Exco to improve underwriting and Credit Risk management, as well as developing and managing decision strategies and KPIs to retain the portfolio within agreed risk appetite levels - Review external markets and information to understand the influences impacting the portfolio, making recommendations as appropriate - Facilitate the production of MI and analysis as well as ensuring that committee material and key reporting is accurate and undertaken on a timely basis. You'll also participate in committees as required. Who we are looking for If you're an individual who thrives in a fast-paced environment, able to work collaboratively with others and are looking to make a difference, this is a brilliant opportunity to advance your career to the next level with our sector-leading company. At Premium Credit, you will be supported to develop and expand your skills, knowledge and experience. To be successful as our Portfolio Credit Risk Manager you will have demonstrable experience within a bank or lending environment and experience of portfolio credit risk analysis and management - Extensive analytical and presentation skills - Experience of developing and managing credit risk management information - The ability to deliver insightful reporting, root cause analysis and solutions - Experience of managing and developing credit risk rating and provisioning models - Awareness of banking systems and databases and the ability to interact with them via data visualisation and modelling tools. We are committed to providing reasonable adjustments or accommodations for applicants, so if you need assistance or support during the recruitment process, please let us know on the application form or by sending an email to If you are made an offer of employment you will be required to prove your eligibility to work in the UK before you start work. You must reside in the UK from the start date of this role; unfortunately we are unable to provide visa sponsorship at this time. To ensure you can work from home efficiently you will be asked to provide your internet speed at the application stage. Premium Credit are an equal opportunities employer with a strong and passionate commitment to Diversity, Equality and Inclusion in the workplace. We welcome applications from all sections of the community and encourage people from all backgrounds to apply. Equal opportunities are the only acceptable way to conduct business and we believe that the more inclusive our environments are, the better our work will be. We are open to part-time working and job share. By submitting your application, you agree that Premium Credit may collect your personal data for recruiting and related purposes. To view our Privacy Notice please go to: https://www.premiumcredit.com/Recruitment-privacy-notice All postholders will be subject to appropriate pre-employment vetting procedures and a satisfactory Disclosure & Barring Service (DBS) check prior to appointment. So, if role appeals to you and you're looking to join an industry-leading organisation, please apply. Excited but not sure you tick every box? Research tells us that women, particularly, feel this way. So, regardless of gender, why not apply? And if you're in a job share just apply as a pair. We look forward to hearing from you. Please note, we reserve the right to close this vacancy early if we identify a number of suitable candidates. All applicants will be advised if the vacancy closes early. We are not engaging agency support for this role and respectfully ask that agencies do not submit unsolicited candidate details to Premium Credit Limited in relation to this role.