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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit risk management, including portfolio analysis, quantitative modeling, and stress testing. Proficient in advising stakeholders and translating complex data insights into actionable proposals while ensuring compliance with FCA regulations.
Highest-signal resume keywords
Credit Risk ManagementQuantitative ModelingPortfolio ManagementFCA RegulationsStakeholder Management
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Data AnalysisRisk ForecastingCredit Trend AnalysisStress TestingCredit Models
Soft Skills
LeadershipCommunicationTeam Management
Industry Keywords
Credit RiskAffordabilityRisk AppetiteFinancial PerformanceEconomic Scenarios
About the role
Key responsibilities & impact- To manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio.
- Monitoring the financial performance and risk profile of the lending portfolio, including individual borrowers, sectors, and geographic regions.
- Analysis of credit trends, identify early warning signs of potential borrowers' issues, and assess the impact of economic and market developments on the portfolio.
- Development and utilisation of quantitative models and risk forecasting tools to measure and predict potential credit losses.
- Performance of portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolio's risk profile.
- Definition and setting of portfolio, segment and customer risk appetite, policy and limits.
- Advising key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment.
Requirements
What you’ll need- Experience interrogating large data sets, identifying trends/risk/opportunities, and managing teams who do so.
- Credit risk & Affordibility experience
- Understanding of FCA regulations
- Experience translate analysis into clear proposals
- Experience in managing risk and controls
- Experience in leadership, managing multiple senior stakeholders
- Experience in credit risk - portfolio management
- Understanding of credit models
Benefits
Comp & perks- Health insurance
- Retirement plans
- Paid time off
- Flexible work arrangements
- Professional development opportunities