Risk Manager – Credit and Residual Values

 In
An exciting, dynamic and growing Motor FS business within a broader, global consumer finance company
Published
12/02/2020
Location
Surrey, United Kingdom
Category
Job Type
GBP £  
Package
Package £60k - £75k (£50k - £62k base + 15%/20% performance bonus, benefits and car scheme)
Sectors
Lease and Contract Hire, Motor Finance, Motor Manufacturer
Category
Management, Operations, Financial Services, Automotive
Job Reference
CJ2607
Region
South East

Description

Risk Manager
CJ2607

South East Surrey

Package £60k - £75k (£50k - £62k base + 15%/20% performance bonus, benefits and car scheme)

The Role

This is a newly created role, leading a team of 3 consisting of two risk analysts and one residual value specialist. The key purpose of the role is to analyse, model, monitor, report on and develop the organisation’s residual value provisioning, retail credit risk data and activities. You will work closely with a Director of Risk – particularly around development of the residual value model.  In addition, you will support commercial initiatives while understanding and controlling losses associated with consumers’ default and drop in residual values.

You will be based at head office but the role may require international as well as domestic travel from time to time. Some working from home will be an option.

The Business

An exciting, dynamic and growing Motor FS business within a broader, global consumer finance company. Within a relaxed and informal environment they are highly ambitious, and exceptionally focussed on delivering results – with every team member undertaking their role employing a significant work ethic and sense of ownership. Their flat structure means big decisions are made quickly and each team member throughout the business can thrive, being left alone to deliver in their role.

About You

You have strong experience in risk analysis within automotive financial services with particularly strong knowledge of the automotive sales market and related valuations. A critical part of this role is related to residual value risk so experience in this area is highly advantageous. You will also have accreditation and a strong understanding of relevant SAS software and related modelling, together with data mining, management information/reporting and the related technical knowledge. In addition you are preferably qualified or part-qualified or studying towards a recognised credit risk management qualification.

In addition, you will have a  sound knowledge of policies and procedures within financial services regulated and compliant environments. This will include an understanding of the retail consumer credit environment and the use of customer data, and familiarity with the principles encapsulated within ‘treating customers fairly’ and operational/conduct risk.

You also have excellent interpersonal skills and are comfortable and confident when dealing with Senior/Board-level management. This will include producing high quality, accurate working documentation and presentations, including business case proposals and requirements, briefs and presentations.

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