Key Responsibilities

Overall market Credit Risk

• Support the Credit Strategy for the UK market 
• Directly contribute to delivery of UK business KPIs (e.g. growth, profitability, loss rate etc.) 
• Collaborate with Credit Risk colleagues across all geographic markets contributing to global targets by sharing toolkit, insights, innovations and emerging risks from the UK as our largest and most mature market

Credit strategy development and innovation

• Ownership and delivery of key projects supporting the UK Credit Strategy development and innovation roadmap
• Continuous development and innovation of our Credit Strategy to maintain a market leading strategic capability

Portfolio performance monitoring and management

• Monitor portfolio performance, identifying trends in credit quality, losses, and early risk indicators. 
• Prepare risk reporting and insights to senior management including preparing for and supporting Credit Committee discussions
• Recommend actions to mitigate emerging risks and optimise portfolio outcomes

Team work

•  Engage and build strong, trusted relationships across the team of credit risk analysts and underwriters as well as key stakeholders across the wider business
•  Live our culture and values and contribute to our tenured, talented and recognised centre of Credit Risk excellence 

Governance, Compliance and Quality Assurance

• Be aware of our Risk Governance Frameworks including Credit Risk Policy and Process documentation in relation to the UK market and ensure actions and strategies are always aligned
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