Job Title: First Line Credit Risk Modelling Manager Working Pattern: Monday to Friday, 36.25 hours per week Location: Flexible – Embrace fully remote or hybrid work from any of our vibrant UK offices in London, Cardiff, Durham, Manchester, or Blackpool. At Tandem, we're not just a bank; we're a movement for positive change. If you're an ambitious and dedicated Credit Risk Modelling Manager, ready to make an impact, we've got a space with your name on it The main purpose of the role is to manage the risk of Tandem’s Lending Portfolios. We are Tandem - Where impact meets innovation Tandem is the UK's greener digital bank on a bold quest to revolutionise the way we save, borrow, spend, and share – all while nurturing our planet, our people and our customers. As one of Europe’s fastest growing digital banks, our values of being Brave, Enterprising, Simple, and Together (BEST) ensure our 500-strong team collaborate to drive a brighter, greener future. Tandem also leads the way with a secondary app called Loop. Loop gives customers a simpler, hassle free and awkward free way to share money among friends. Your team: Collaborators in change Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. The role sits within the First Line Credit Risk team at Tandem. It’s a new team being set up to provide high quality Credit Risk analysis and strategies to ensure Tandem grows safely and within our risk appetite. Your Impact: Building a greener tomorrow As a Credit Risk Model Manager at Tandem your focus will be on: Develop Application and Collection Scorecards for all Tandem’s Lending products Calculating cost of risk for pricing and risk reward models Analysis on key risk trends and issue Write proposals for approval at Credit Committee Interaction with third parties including regulators, Credit Reference Agencies and consultancies Developing and implementing advanced statistical models to predict credit risk, optimise credit scoring, and enhance our decision-making/underwriting processes. Maintain and monitor all credit risk models and scorecards. Analyse large datasets to identify trends, patterns, and insights that inform business decisions. Perform data cleaning to ensure high-quality data for analysis, Working independently and presenting findings and recommendations to stakeholders in a clear and concise manner. We’d love to hear from you if you have: Strong skills in at least one programming language (preferably Python and SQL) Strong experience in the development and monitoring of retail Credit Risk application, management and measurement models Good knowledge of consumer credit risk, including mortgages, personal loans and motor finance Experience in calculating risk forecasts Experience in risk analysis and reporting Strong understanding of the use of scorecards and affordability models in Credit Risk strategies Strong presentation skills, including the ability to translate complex data into understandable insight A great attention to detail and be process-oriented to review, suggest and implement improvements where appropriate. Able to work in a fast paced, changing environment. It would be great, but not essential if you have : Experience in corporate risk management and measurement Rewards that reflect your value, what’s in it for you? At Tandem, your hard work is rewarded in many ways and we have an enhanced employee benefits package on offer from your very first day with us: 25 days annual leave plus 8 days Bank Holiday An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc Buy or sell up to 5 days holiday a year Healthcare cash plan through Westfield Health worth a minimum of £750 per year Electric Vehicle salary sacrifice scheme Cycle to Work salary sacrifice scheme and a free helmet Salary sacrifice Pension contribution, 4% employee contributions matched with 4% Tandem contribution (Subject to salary eligibility) Smart Tech scheme (buy goods with 0% interest) 10% discount on solar panels Tandem Hub for treats, cash back and discounts on UK retailers 2 days per year paid volunteering Free cereal, snacks and drinks in all offices Quarterly team social budgets Our Green Deal: Your Impact Amplified A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below: Volunteer 2 days a year for charity > receive an early Friday finish Raise £200 per annum for charity > Tandem provide PR and marketing support Have renewable energy at home > receive an additional 1 day annual leave Drive an electric car > receive £500 towards a home charger Ready to make your mark? Apply now and let's pave the way to a greener world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. Sourcing Model Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable. Please be aware that background checking (including credit and criminal records checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.