Business Unit: Risk
Salary range: £76,000 - £95,000 per annum DOE + red-hot benefits
Location: UK Remote
Contract type: Permanent
Be the voice we need. Live a life more Virgin.

• Credit Insight and Reporting: Lead the development and delivery of credit risk oversight reporting, and management information (MI) for internal and external stakeholders, including key committees and regulatory bodies to support the Chief Credit officer, Credit Leadership Team and Boards/ Executive Risk Committees.
• Strategic Influence: Provide insightful advice and analysis to influence strategic decisions, ensuring the bank’s credit portfolio is managed effectively and in line with industry developments and regulatory changes.
• Trend Analysis and Risk Identification: Analyse data and intelligence, including external market and competitors’ information, to identify portfolio trends, hotspots, and opportunities, providing high-quality credit insight and opinion.
• Credit Risk Appetite Statement (RAS): Develop credit risk appetite methodology and framework to ensure safe evolution of the credit risk portfolio aligned with the bank’s strategy and regulatory requirements.
• Team Leadership: Manage and develop a small team of specialists, fostering a high-performing and motivated team environment.
• Stakeholder Collaboration: Work closely with 1st and 2nd Line of Defence (LOD) stakeholders, internal departments, and external entities to ensure comprehensive credit risk oversight and insight.
• Regulatory Compliance and Engagement: Ensure compliance with corporate standards, policies, and external legal and regulatory requirements, maintaining a robust risk management framework. Lead regulatory and external returns across the VM Credit Risk Team.
• Quality Control: Develop and implement quality control processes to ensure the accuracy and completeness of credit risk analysis and reporting.