Credit Risk Manager

About the job

• You will be responsible for all areas of credit risk for Scroll.
• You will take ownership of the credit risk policies and models and contribute to the overall risk strategy and control and governance framework.
• You could choose to work from our London office or our Solihull office (or remotely when suitable).

Tasks

• Set and maintain credit risk policies for mortgage products
• Build credit risk models used in underwriting and account management, including affordability calculators and other similar models
• Measure, monitor and report on portfolio performance
• Build Test and Learn and data-driven strategies to continually improve credit performance
• Assist wider team in setting Risk strategy and Controls and Governance framework
• Collaborate with other Scroll colleagues in supporting the company s objectives and key results
• Deliver results, taking full ownership for your work

Requirements

• You have deep interest in credit risk management.
• You have experience in consumer finance space (preferably mortgages) and understand the market and regulatory context.
• You are familiar with credit scoring models (including credit bureau reports).
• You are highly analytical and enjoy analysing data and building models.
• You are deeply committed to learn and grow with your team and the company.
• You enjoy creative problem-solving, and are comfortable in a fast-moving entrepreneurial setup.

Ideal, but not required

• Understanding of mortgage regulations (MCOB)
• Experience in specialist mortgage sectors (buy-to-let or second mortgage)
• Experience in building affordability calculation models for credit decisioning
• Understanding of rating agency criteria