Job Title: Risk Manager
Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues
Hours: Full time, Permanent.

A BIT ABOUT US:

At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.

SKILLS & ATTRIBUTES:

Proven experience working in a Risk Analysis role at a Senior level within unsecured lending.
Complete understanding of the consumer risk lifecycle.
Excellent attention to detail & Analysis.
Experience working with SAS, Excel & SQL.
Stakeholder management.
Understanding of credit bureau data & products.

THE ROLE:

As Risk Manager, you’ll oversee day-to-day credit risk strategies for Consumer Finance, ensuring lending aligns with business standards and fair customer outcomes. You’ll review and enhance credit risk controls, monitoring performance against key risk indicators. The role involves analysing outcomes versus expectations and identifying any concerning trends. Your insights will help shape effective, responsible lending practices.

KEY RESPONSIBILITIES:

Oversee asset quality and credit risk strategies across Consumer Finance portfolios, ensuring alignment with risk appetite and presenting insights to senior management.
Own and maintain credit risk policies and documentation within account opening and management systems, supporting operational teams while protecting customer outcomes.
Lead initiatives to identify safe growth opportunities, delivering strategic insights and updates on policy changes to key stakeholders.
Produce and manage regular and ad-hoc reporting for governance forums, highlighting key trends, performance, and recommended actions.
Build strong relationships with Credit Reference Agencies and internal teams, contributing to cross-functional projects and supporting the Head of Risk when required.