Credit Portfolio Manager (Asset Finance) Location: Reading with hybrid working Salary: £30k -£40k Overview: We are seeking an experienced and strategic Credit Portfolio Manager with a background in Asset Finance to manage and optimise our credit portfolio. This role involves monitoring portfolio performance, identifying risks and opportunities and collaborating with key stakeholders to achieve financial and risk management objectives. The ideal candidate will have a strong understanding of asset finance, credit analysis and portfolio management principles. Key Responsibilities: Oversee the performance of the asset finance credit portfolio, ensuring alignment with company risk appetite and financial goals. Analyse trends, risks and opportunities within the portfolio to provide actionable insights. Develop and maintain key metrics and reports to track portfolio performance, delinquencies and recoveries. Identify and mitigate risks within the portfolio, including credit, market and concentration risks. Implement strategies to manage non-performing loans and minimise write-offs. Ensure compliance with credit policies, regulatory standards and industry best practices. Collaborate with credit and risk teams to define and update credit policies and underwriting standards. Support the development of pricing, structuring and credit terms to achieve optimal portfolio outcomes. Contribute to the formulation of business strategies by providing insights into credit portfolio dynamics. Work closely with sales, risk and operations teams to align portfolio objectives with business goals. Engage with external partners, such as auditors and regulators, to ensure portfolio transparency and compliance. Prepare and present regular portfolio reviews and insights to senior management and stakeholders. Key Qualifications: Proven experience in credit portfolio management within the asset finance or related financial services sector. In-depth knowledge of asset finance products, credit policies and risk assessment. Strong analytical skills and ability to interpret complex financial data. Familiarity with regulatory frameworks and compliance requirements related to credit and asset finance. Skills and Competencies: Excellent problem-solving and decision-making abilities. Strong interpersonal and communication skills for effective collaboration with stakeholders. Proficiency in portfolio management software, data analytics tools and Microsoft Office Suite. Ability to work independently while managing multiple priorities in a fast-paced environment.