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Job Details

Credit Risk Product Co-Ordinator

Reading, Hertfordshire, United Kingdom, £25,000 - £30,000 , Permanent

Posted: 4 days ago

Description:

RCI Financial Services is a wholly owned subsidiary of RCI Bank and Services which is the Renault and Nissan Groups Finance Company and is today present in in 36 countries in Europe, North Africa, South America and Asia.

We are very proud to have been recognised as one of the UK's best work places in the Great Places to Work Large Company category as well as also receiving The Great Places to Work Excellence Award for Wellbeing for the third consecutive year.

We currently have a rare opportunity for a Credit Risk Product Coordinator to join our Credit and Lending team.

The main function of the role will be assisting the Credit risk product owner manager, you will support the dealer operations teams which have seen their workload increasing. The main reason behind that is the current reliance on independent dealers, such as Arnold Clark in order to achieve targeted volumes. As the acceptance rules are stricter on these dealers, the need of manual check has increased. We can also foresee an increase of work in this department related to the new regulations around customer affordability. Your role will consist in reviewing the policy rules and acceptance scorecard in order to identify any opportunity to increase the auto decision as well as maintaining the accepted cost of risk within budget. You will also support a constantly increasing workload around specific credit risk projects which are increasing year on year (e.g. IFRS9, New Default, Loan origination, BCBS 239). Finally, you will be in charge to document and write process modes in order to establish a smooth training for anyone supporting the credit risk product owner team.

continuous analyse and optimise policy rules and acceptance scorecards to enhance the automatic application decisions or identify future risks.

•Support dealer operations by having regular catch-up and understanding where the time constraints lie in order to prioritise your work.

•Co-ordinate projects relating to credit risk ensuring deadlines are adhered to.

•Be aware of time constraints for any development work and liaise closely with IS department in order to ensure projects are delivered within timescales

•Create and maintain documentation around the projects such as NDD, BRD, TFI, procedures, validation reports, meeting minutes.

•Maintain reporting around application risk, ensure that KPI are in line with targets and evaluate the impact coming from the projects implemented or the process changes.

•Look for the best internal or external solution, benchmark suppliers if needed to find the best solution.

•Create testing plans to ensure a seamless deployment from development to production as well as the quality of the work done.

•Deliver and adjust presentation for internal/external stakeholders as well as committees.

•Involve every stakeholder needed to ensure that the project is in line with other departments rules and needs. •Comply with all relevant legislation at all times such as Consumer Credit Act, Money Laundering Act, Data Protection Act and the FLA Code of Practice.

Skills Required

•Logical & methodical approach •Excellent prioritisation & organisational skills •Experience in project testing and development would be beneficial. •Excellent analytical and presentation skills •Expert level of Excel and Click and Decide •Knowledge about credit risk and dealer operations would be beneficial •Ability to work under pressure and with short deadlines •Keen eye for detail

In return you will receive a competitive 27 days annual leave plus 1/2 day on Christmas Eve and 1/2 day on New Years Eve. Plus non contractual Bonus, Private Health for Self and option to opt into our company Loan Plan car scheme.

Job Details

1219818072
Reading, Hertfordshire, United Kingdom
Permanent
£25,000 - £30,000