Retail Credit Risk Oversight Manager

Job Description

We have an exciting opportunity for an experienced Retail Credit Risk Oversight Manager to join our Second Line of Defence Prudential Risk team.About the roleAs our Credit Risk Oversight Manager, you will act as a subject matter expert on all retail credit risk thematic reviews to support the delivery of the Prudential Risk Oversight Plan. This will cover all stages of the account life cycle (underwriting, on-goingaccount management, collections, and recoveries) as well as the suitability of any 3rd parties engaged (e.g., valuers, intermediaries). Applying technical knowledge to ensure retail credit risk is managed to a high standard and within a robust control framework.Act as an enabler for the business to better understand and manage their risk profile, providing advice and challenge to 1st line risk teams through impactful and highly influential engagement up to Chief Officer levels.About youWe are looking for someone who has a demonstrable retail credit risk background with strong stakeholder management and communication skills.

• Act as a subject matter expert and take the lead to deliver thematic retail credit risk oversight reviews, which provide insightful, accurate and meaningful findings to support the 2LoD Retail Credit Risk Oversight Business Partner in understanding key riskswithin lending portfolios.
• Responsible for leading the engagement with key business stakeholders and divisions on thematic reviews. Be highly effective at providing clear advice, challenge, and expertise on a range of complex issues up to Chief Officer level.
• Contribute to and support the business to act upon the findings from second line thematic reviews to ensure compliance to relevant regulations, Society policy and industry best practice. Support the business in delivering the Retail Lending Strategy andbe accountable for ensuring that sufficient action is taken to mitigate risks identified or enhance strategic deliverables.
• Play a leading role in developing robust oversight practices, identifying new approaches that should be embedded and taking personal ownership for implementing necessary changes to drive forward the capability and effectiveness of the Prudential Risk department.
• Take the lead in delivering timely analysis on the Society’s Retail Credit Risk portfolios to enable robust day to day challenge of 1st line business teams to protect the Society from unexpected financial shocks.
• Demonstrable experience of Retail credit risk management through all stages of the account life cycle (underwriting, on-going account management, collections, and recoveries).
• Deep understanding of risk management and how this aligns to retail lending.
• Good awareness of the economic climate and regulatory environment relating to commercial credit risk.
• Continuous improvement mind set, always looking for ways we can improve our ways of working.
• Excellent communication skills, in particular in translating technical concepts and facts into clear understandable written reports for commercial and operational colleagues.
• Strong stakeholder management skills, with the ability to demonstrate your credibility quickly.

About usAt YBS we don’t have shareholders, we have members. We care about people and that includes you. So here, you’ll be respected for who you are, you’ll be able to bring your whole self to work, and you’ll have everything you need to build a long and rewardingcareer.Flexibility. We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it’s finishing early for an appointment or fitting your studies and hobbies in around your workinghours, we can help make it work for you.Development.We want you to feel challenged here. Whatever your ambitions, we’re committed to helping you develop your skills and move ahead in your career journey. From day one, we’ll set you up for success with a brilliant induction andfull training plan, all designed to get you up to speed quickly.Inclusivity.We’re passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you’ll go the extra mile to help our members, you’ll fit right in and feel you belong here.About our BenefitsWe offer lots of fantastic rewards that you can make the most of in and out of work, including:

• Holiday.You’ll get 25 days plus Bank Holidays, as well as the option to buy up to a further 5 days.
• Bonus. We work together to reach for better at YBS, so when we reach our goals, we’re all rewarded, with up to a 10% annual bonus.
• Pension. We know how important it is to save towards the future, that’s why we’ll contribute up 11% into your YBS pension.
• Healthcare.Health and wellbeing are an important part of life at YBS, when you join us, you’ll have access to a range of health benefits to suit your life including private medical insurance, dental and healthcare plans.
• My Benefits. When you join YBS you’ll have access to our self-service benefits portal, where you can access a range of retail, hospitality and health discounts.

Ready to applyIf you’re excited about this role and want to be part of the YBS team, apply below to send us your application.Please note, applications are reviewed frequently therefore, this advert may close before the advertised date