Let us tell you a bit about us We’re Aldermore Group – the award-winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we're backing more people to go for it. We thrive by saying “yes” to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose MotoNovo Finance every week to buy their next car, van or motorbike. This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose. Let us tell you about the role We have an opportunity to join the first line Portfolio Management team in the position of Head of Portfolio Management. You will develop clear and deliverable credit decisioning strategies that help build growth in the balance sheet on commercially acceptable terms, whilst supporting business line objectives and FRM principles, collaborating closely with the Risk Partner when developing customer and portfolio insights. You will interpret and embrace modelling concepts, modelling outputs and independent sources of benchmarking data in order to influence risk appetite and positively impact customer outcomes through delivery of a model driven automation agenda. This will include credit decisioning across the customer lifecycle (onboarding credit decisions, in-life credit stewardship, and early/late stage credit monitoring and management) in addition to Management Insight development to aid data driven business growth. What will your day look like? Using modelled outputs to improve the efficacy of credit underwriting of customer proposals. Set the standard for improving customer satisfaction with a value-add proposition through automated underwriting. Assess and deploy LEAN process improvement techniques using modelled outputs to improve business performance. Development of automated decision making and leverage the use of scorecard and model development. Drive risk-based pricing. Using portfolio metrics and KPIs to measure credit and wider business performance in a way that informs a truly customer centric approach to underwriting, using a broad range of data sources. Working closely with the second line to identify emerging credit and macroeconomic risks. An understanding of the market dynamics which are driving changes in the value of New and Used Vehicles, making suitable and proactive adjustments in response to any perceived changes to the long-term underlying outlook for vehicle valuations. Provide guidance for underwriting/system processing and the wider business to identify and quantify overall risk and deliver an enhanced customer application process; Develop originations strategy, collections and pre-delinquency strategies, as and where appropriate. What do we expect from you Degree in a numerate subject and proven relevant work experience, coupled with knowledge of advanced statistical and analytical techniques. Experience in SAS, R or other programming languages. Effective communicator, sharing insight that translates technical concepts into clear and understandable language, listening to and encouraging active collaboration amongst stakeholders. Understanding of best practice in credit risk management, and credit scoring methods/application. Still curious? Join us and we’ll make the same promises to you as a colleague, as we do to each of our customers. We’re committed to building a working environment that values respect, diversity, and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you’re pregnant or on family leave. Please note: we have a thorough referencing process, which includes criminal record checks We're one of the largest lenders in the UK used car finance market. We’ve specialised in motor finance for over 40 years, and are recognised as one of the best car finance providers in the industry. We’re part of the Aldermore Group, which includes Aldermore Bank plc. Aldermore offers a range of personal and business finance and savings options.