The Credit Risk function is responsible for the credit quality of mortgage applicants, approvals and existing customers against our approved risk appetite. This is performed by utilising all available data to monitor various credit risk measures. Additionally, data analysis are performed to identify opportunities to optimise Credit and Financial Support strategies. The Senior Credit Risk Manager – MI and Analytics is a brand-new role that will suit someone aiming at making an impactful contribution through data analysis, insights and strong stakeholder management to support the continued growth across the whole group through various teams. This role is based in our Wolverhampton office and we work on a hybrid policy. The OSB Group is a FTSE 250 specialist mortgage lender, primarily focused on carefully selected segments of the mortgage market. Our specialist lending is supported by our Kent Reliance and Charter Savings Bank retail savings franchises. Diversification of funding is provided by sophisticated securitisation platforms. OSB’s unique cost-efficient operating model is supported by our wholly-owned subsidiary OSBIndia. Alongside passion for our products and customers, we're passionate about our people and want to continue building a collaborative and engaging environment. Being dedicated to Diversity, Equity and Inclusion, we encourage differences and recognise that individuals from diverse backgrounds and experiences can bring valuable insights and enhance the way we work. This is supported by our Diversity, Community and Environment Employee Engagement Networks and our commitment to the Women in Finance Charter and Women in Leadership Programme. The Senior Credit Risk Manager is a dynamic role where you will develop and maintain credit risk analytics and reporting for the OSB Group through the delivery of data-driven insights and decision-making support, ensuring the credit risk strategy is effectively maintained. Your responsibilities will include: Support and influence the delivery of the Credit Risk Insights agenda through the existing Credit MI suite as well as drive the creation of new reports and dashboards. Ensure data is efficiently translated into insights and consequently into tangible actions to improve or mitigate the credit risk of OSB’s portfolio. Evolve the OSB Group Credit Risk reporting suite, pro-actively identifying efficiency opportunities, visualisation mechanisms, and content enhancement. Lead credit risk analytics activities, including deep-dives, segment performance, and strategy reviews. Undertake credit risk analytical projects, covering the entire credit lifecycle and all products and brands, to support the immediate team, wider risk function and business stakeholders. Managing colleagues’ workloads and leading squads to address MI and analytics projects. We offer a base salary dependent on experience of between £75,000 to £85,000 and a competitive benefits package including: Discretionary annual bonus opportunity of up to 25%. 30 days annual leave plus bank holidays. Contributory pension (8% employer 5% employee). Life Assurance (4x salary) plus Group Income Protection. Access to Private Medical Insurance and Medical Cash Plan. Maternity & Adoption Leave – Occupational Maternity/Adoption Pay provided at 100% of salary for the first 26 weeks. Paternity Leave – 8 weeks of paid leave to be taken within 12 months of birth or adoption. We are looking for talented individuals who have the experience and knowledge set out below: Extensive previous experience in a Retail / Consumer Finance Credit Risk Function. Strong track record using analytics, particularly within credit, risk or audit function (covering the entire Credit Lifecycle) and experience creating and managing a robust analytical framework Understanding of Mortgage Lending industry Advanced skills in respect of stakeholder engagement with the ability to present and articulate complex information in an easily understandable and jargon free way We also believe that your career and how you progress is as unique as your individual personality. We continually support our people so they can become the best version of themselves. If this sounds like you, please apply now For internal applications please visit the internal careers page to apply. Alternatively, if you wish to have an informal and confidential chat please get in touch. Contact details can be found on our careers page. If shortlisted from your initial application we operate a personalised recruitment process. Interviews are a two way street, we aim for them to be relevant and conversational to get the best out of you OSB Group are dedicated to diversity in the workplace and committed to treating all our employees and job applicants equally. We embrace equal opportunities and are opposed to discrimination on any grounds. As part of our public commitment to the Women in Finance Charter, we have introduced our own initiatives to attract, develop and advance senior women in our sector. We don’t stop there though, we have broadened our approach to encourage diversity and inclusion at all levels and in all roles. Our leadership and Executive Committee are right behind us, to the extent that our Diversity Champions sit at Board level and on a monthly basis receive updates on our progress. Whilst we are an organisation that values face-to-face interaction to build and nourish our culture, we also acknowledge that people are not just productive in an office and tied to the 9 to 5. Flexible-working opportunities are important for establishing a healthy work-life balance so if you see a role of interest we are happy to be asked about flexibility and explore together if we can make it work. All applicants must have rights to work in the UK and be willing to undertake the relevant pre-employment screening checks should your application be successful.