We have an exciting opportunity for a Credit Risk Manager to join YBS Group's Customer and Commercial Risk team. The Customer and Commercial Risk team is an integral part of YBS's Customer and Commercial Divisions. We pride ourselves on working collaboratively with our colleagues in teams like Trading, New Product Development, Direct and Intermediary Distribution and Collections and Recoveries to ensure we're identifying, mitigating and managing conduct, credit and operational risks. This allows us to provide a fantastic experience and sustainable growth and performance for our customers and members. Above all else, the Customer and Commercial Risk team is there to help and support the rest of the Customer and Commercial Divisions deliver their objectives safely and responsibly. In doing so, we hope to achieve our vision to be the most valued team at YBS. As a Credit Risk Manager you'll be a key member of our team, leveraging your Credit Risk management expertise to help YBS deliver its objectives. We will give you the opportunity and support to develop and shape a brilliant career in a changing and exciting business, where you can enjoy the challenge as we transform to achieve our ambitions. If you're an experienced credit risk professional who wants to positively impact customers, colleagues and the success of the business by leading projects independently, driving change forward and influencing senior leaders, then join us and be Your Brilliant Self. What you'll be doing As a Credit Risk Manager, you will lead a wide range of interesting projects such as those detailed below. Enhance the Group's collections strategies and policy. We are particularly looking for a candidate with experience designing effective collections strategies and monitoring their success. You will have the opportunity to make a real difference in enhancing the Group's collections activity and ensuring we are prepared in the event of a downturn. Own, develop and embed the credit risk appetites. Through strong and broad stakeholder engagement, you will define the boundaries beyond which the level of credit risk is unacceptable regardless of reward. You will ensure the business is aligned to and operating within risk appetite. Ensure high quality, insightful credit risk analytics is produced. You will lead and support the production of key credit risk analytics that provides real insight and can, therefore, be used to inform strategic decision-making. Develop others. Although you will not have formal line management responsibility, you will use your expert knowledge and experience to coach, mentor and develop other team members. In doing so, you will enhance the professional abilities of both yourself and your colleagues. The knowledge & skills you'll have Minimum 5 years' experience in Financial Services (or similar) with minimum 2 years' experience in Credit Risk Experience of designing effective collections strategies and monitoring their success Expert knowledge of at least one of the following Credit Risk areas; Credit risk model development Portfolio analytics Advanced IRB Proven ability to independently lead programmes of complex analytical work and colleagues in order to determine solutions Outstanding analytical and problem solving skills Excellent communication skills with experience of presenting and influencing at a senior level Proven ability to coach and develop junior colleagues Educated to at least degree level (preferred) with an emphasis on mathematical / analytical techniques Expert skills in data manipulation, SAS (or similar statistical packages), SQL and Microsoft Excel Energetic and driven Rewards and benefits Not only do we provide the opportunity to make a valuable contribution to our business, we want to recognise and reward that contribution. We do this through an excellent benefits package that offers real reward: 27 days holiday plus bank holidays Money Purchase Pension scheme to which we contribute Private Medical Insurance Healthcare Cash Plan Bonus scheme Staff Mortgage facility and Staff Savings Account Flexible working opportunities including compressed hours and working from home Why choose the YBS Group? Our culture No matter where you join us, you can be sure of professional, fun and supportive people to work with. We believe this is at the centre of what makes Yorkshire Building Society such a great place to be. Our vision Our vision is to be the most trusted provider of Financial Services in the UK. We strive to achieve this by delivering financial security and long-term value to our members along with exceptional service. Our values Our values are embedded into every aspect of life here. Even during our recruitment process, you can rest assured that you'll be treated in the same manner and go through the same steps as other applicants. And if you're going through one of our Learning & Development programmes, we'll ensure that you have support and guidance every step of the way. Yorkshire Building Society Group is an equal opportunities employer This job was originally posted as www.totaljobs.com/job/85323769