Credit Risk SME

Summary: The Credit Risk Specialist role focuses on developing and implementing credit risk strategies specifically for SME lending. The position requires collaboration with various stakeholders to ensure effective risk management and compliance with regulatory standards. The specialist will leverage data-driven insights to enhance lending products and customer experiences. This is a contract position based in London for one year.

Key Responsibilities:

• Develop and implement effective credit risk strategies for SME lending.
• Maintain credit risk standards, procedures, and governance processes.
• Provide expert risk insights on business proposals, identifying opportunities and mitigating risks.
• Shape and maintain portfolio risk appetite metrics to support lending decisions.
• Lead the creation of new lending products and customer journeys, ensuring a seamless experience.
• Collaborate with stakeholders across Product, Distribution, IT, and Second Line Credit Risk teams.
• Produce insightful portfolio MI, delivering actionable performance updates to governance forums.
• Ensure compliance with sector-wide regulatory standards.

Key Skills:

• Strong strategic thinking, with the ability to solve complex problems and drive business value.
• Proven ability to communicate credit risk insights to technical and non-technical audiences.
• Proficient in statistical programming languages (ideally SAS).
• Numerical degree in Mathematics, Physics, Computing, or Engineering.
• Hands-on experience in automated credit risk management, ideally within the UK SME market.
• Expertise in Microsoft Office, particularly Excel, Word, and PowerPoint.
• A detail-oriented mindset with strong problem-solving skills.
• Ability to build relationships and constructively challenge senior stakeholders.

Salary (Rate): undetermined

City: London

Country: United Kingdom

Working Arrangements: undetermined

IR35 Status: undetermined

Seniority Level: undetermined

Industry: Other