Unsecured Credit Risk Senior Specialist

Business Unit: Risk, Unsecured

💰: £45,600- £57,000 per annum DOE + red-hot benefits🎁

📍: UK Remote – with travel to a local HUB once per quarter.

📑: Permanent

Live for the weekday. Live a life more Virgin😎.

Our Team🫶

Our Unsecured Portfolio Performance and Insight team sits within the wider Unsecured Credit Risk function and is responsible for delivering management information, insight and recommendations across our Unsecured portfolios.

What you’ll be doing 🤩

• Portfolio Reporting: Owning and managing the delivery and continuous evolution and automation of a comprehensive suite of credit risk portfolio MI for use across a range of stakeholders including Central Committees and Governance reporting.
• Insight and Analytics: Owning and delivering regular meaningful analysis and assessments of portfolio composition and asset quality, identifying key trends.
• Strategic Review: Providing challenge and creating recommendations on existing strategies, policies or processes as appropriate.
• Stakeholder Management: Leading engagement across both internal and external stakeholders, deputising for manager as required. Presenting complex findings and proposals in an engaging and articulate manner.
• Collaborative Approach: Working collaboratively with colleagues across a wide range of areas (incl. Credit Risk, Finance, Commercial and Operational areas) to allow for a balanced consideration of risk and reward.
• Coaching: Supporting more junior colleagues through their development.

We need you to have🌟

• Proven technical expertise to produce analytics, and a strong coding background in SAS.
• Extensive experience in credit risk in Financial Services with a practical experience of performance reporting and analytics.
• An excellent understanding of data structure, data manipulation technique alongside credit risk strategies.
• Effective attention to detail, ensuring analytics produced is accurate and robust.
• Expertise in owning efficient and effective reporting suites, driving improvements and efficiencies.
• Demonstrable experience in articulating complex credit risk matters into digestible and actionable insight, with an ability to land a succinct message with senior leaders
• A natural ability to build trusted relationships with key stakeholders, both internally and externally.

It’s a bonus if you have but not essential🧁

• Experience in creating reports and insight in Power BI.
• Experience in implementing control processes.
• Understanding of unsecured portfolios including Credit Cards, Personal Loans or Overdrafts.

Red Hot Rewards🔥🎁

• Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time)​ plus the option to buy more.
• Up to five extra paid well-being days per year​.
• 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.
• Market-leading pension.
• Free private medical cover, income protection and life assurance.
• Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.

And there's no waiting around, you'll enjoy these benefits from day one.

Feeling insatiably curious about this role? If we’re lucky to receive a lot of interest, we may close the advert early and would hate you to miss out.

We're all about helping you Live a Life More Virgin, so happy to talk flexible working with you🤝.

⏰Applications Close: 2 Apr 2025 (4.00pm BST)🏃‍♀️💨