OVERALL SUMMARY At Close Brothers we look to recruit individuals from all different backgrounds and encourage you to apply even if you don’t tick every box. We celebrate diversity, promote inclusivity and are open to discuss flexible work options to help you balance your work and home life. Join the Close Brothers Credit Risk team where you will lead a team of analysts to set / manage risk appetite and develop, deliver & monitor credit risk new business strategies for the Motor Finance portfolio. Working as part of the Credit Risk team, our ideal team member will have previous experience in managing a high performing credit risk team within a consumer credit risk function with excellent communication skills. RESPONSIBILITIES Monitor credit risk performance against agreed plans, targets and budgets and work with the wider business to agree the action required to address any performance issues and/or to capitalise on opportunities Develop and provide high quality credit risk related MI, insight and advice to the key committees and other major stakeholders to support informed decision making Support the delivery, development and ongoing monitoring of credit decision strategies and scoring capabilities Monitor and develop affordability strategies across Motor, working closely with 1st line and 2nd line to ensure strategies adhere to regulation and deliver good customer outcomes Develop credit policy whilst supporting the delivery of business objectives and aligning with Group Credit Risk Standards Ensure all credit governance requirements are adhered to including timely completion of RCSAs, policy reviews, quality assurance, mandate reviews, audit remediation, incident management and escalation Developing Our People: as a line manager, you will be responsible for inspiring and motivating your team, as well as developing performance through coaching. You will encourage your team to take responsibility for their own personal development and provide support through regular feedback. WE WOULD LOVE TO HEAR FROM YOU IF: You have in depth understanding of credit risk across the lifecycle but with specific expertise in acquisition including the setting of credit and affordability strategies, policies, underwriting, bureau data and credit systems You have experience managing a high performing credit risk team within a consumer credit risk function combined with experience in applying and managing complex modelling concepts within credit risk You have experience implementing credit policies, affordability strategies and appropriate risk control frameworks in a FCA regulated environment, with an understanding of UK regulatory & legal requirements You have experience of leading, developing and coaching a highly effective analytical credit team IT IS NOT ESSENTIAL BUT IT WOULD BE GREAT IF YOU: Have experience of delivering and managing credit scoring in a Retail environment or close working with scorecards and scorecard development Have strong coding skills, with experience using tools such as SAS or equivalent We are an inclusive organisation and committed to ensuring our recruitment process is as accessible as possible to everyone. We will make adjustments for people who have a disability or long-term condition. If you need the job description or application form in an alternative format or would like to discuss the recruitment process with us, please email us at or request a call back. ABOUT US At Close Brothers we support employees to balance their work life priorities and in this role you will be able to enjoy a mixture of hybrid working. Close Brothers is a leading UK merchant banking group providing lending, deposit taking, wealth management services and securities trading. At Close Brothers we provide financial support and advice to small businesses and individuals in the UK. Our purpose is to help the people and businesses of Britain thrive over the long term. To find out more about Close Brothers, please visit our careers page: https://www.closebrothers.com/careers To find out more about life at Close Brothers:https://www.closebrothers.com/life-close-brothers374017299-899295541 To find out more about our benefits:https://www.closebrothers.com/employee-benefits To find out more about our commitment to creating an inclusive environment:Our Responsibility - Diversity and inclusion ¦ Close Brothers Group LI-TG1 LI-Hybrid