Credit Risk Manager

BNP Paribas Personal Finance Group; Metropolitan Borough of Solihull; Hybrid; GBP 45,000 - 60,000; Full time

Job summary

A leading financial services provider based in Solihull is seeking a Recruitment Partner to manage credit risk within the portfolio. You will provide forecasts related to bad debt and engage closely with key financial stakeholders. Suitable candidates should have experience in SAS Base or SQL, with a strong analytical background to effectively manage risk and improve services. This role offers a flexible hybrid working model, competitive salary, and unique benefits.

Benefits

Competitive salary

Contributory pension scheme

Health Cash Plan Scheme

Flexible benefits platform with lifestyle discounts

Opportunity to buy and sell holidays

Qualifications

• Experience in programming languages such as SAS Base or SQL.
• Understanding of consumer risk management.
• Analytical skills to perform relevant analyses.

Responsibilities

• Manage portfolio health against benchmarks.
• Control exposure to minimize risks within the portfolio.
• Identify cost reduction and service improvement opportunities.
• Liaise with Finance and Marketing for strategic analysis.

Skills

Experience in SAS Base / SQL

Understanding of consumer risk lifecycle

Knowledge of credit bureau data

Experience in scorecard development

Strong analytical background

Job description

Recruitment Partner at BNP Paribas Personal Finance Via The Curve Group

Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues

Hours: Full time, Permanent

______________________________________________

A bit about us:

At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.

The Role:

Take ownership of the Portfolio Management risk area. Provide Bad Debt forecasts for pricing or loss calculations for month end reporting and budgetary processes to help with portfolio management. BNP Paribas Personal Finance provides credit facilities for a variety of clients. This challenging role helps the business manage and understand the bad debt dynamics of the business for the various products, providing insights into any variances and detrimental customer behaviours.

Key Responsibilities:

• Understand the high level ‘health’ of the portfolio against internal and external benchmark levels and summarise Credit risk trends for monthly MI packs
• Manage the exposure across the portfolio ensuring we have the necessary controls in place to minimise risk
• Deal rapidly with any issues that may have a detrimental effect on the relationship with key retailers
• Identify areas of cost reduction, service and process improvements that will result in adding value to the business whilst treating customers fairly
• Take ownership of the Partner Revenue Committee actions from a Risk perspective
• Liaise with Finance and Marketing teams to deliver analysis to aid business decisions on new strategy

Skills & Attributes:

• Experience in SAS Base / SQL or similar programming language
• Complete understanding of the consumer risk lifecycle
• Very good knowledge of credit bureau data and products
• Prior knowledge of scorecard development and monitoring. Experience in forecasting would be beneficial.
• Ability to generate ideas to challenge existing business practices
• Very strong analytical background to be able to set relevant analysis to answer questions

What’s in it for you?

• Competitive salary and a contributory pension scheme
• Access to our Health Cash Plan Scheme
• A multi-award-winning flexible benefits platform offering life insurance, private medical insurance, or lifestyle benefits that include discounts on dining, cinema, and days out
• The opportunity to buy and sell holidays, giving you even more control over your work-life balance

Could this be you?

Making a positive impact is at the heart of everything we do – whether for our colleagues, customers, partners, or the community. We live by our values: We’re positive, we’re brave, and we own it. We believe a positive attitude and a passion for making things happen matter most. Don’t let confidence hold you back – there’s no such thing as a ‘perfect’ candidate. If you meet 75% of the requirements for this role, we want to hear from you! Whether you're considering a career change or exploring a sector jump, we welcome applicants with transferable skills.

Apply now to express your interest and discover how you can make a meaningful contribution to our dynamic team.

We’re committed to creating an inclusive workplace and ensuring equal opportunities for all, regardless of age, disability, gender, identity, race, religion, sexual orientation, or background.

Data Privacy Notice – The Curve Group

The Curve Group is a Recruitment Services and Human Resources business with a mission to transform the working lives of the people and organisations we work with.

We collect and process your personal data for the purpose of providing recruitment and related HR services, in line with our legitimate business interests and legal obligations.

We will retain your data for two years from the last point of contact, after which it will be securely deleted unless you request otherwise.

For more details about how we handle your personal data and your rights, please see our full Privacy Policy: https://www.thecurvegroup.co.uk/privacy-policy/

Seniority level

Mid-Senior level

Employment type

Full-time

Job function

Other

Industries: Banking and Financial Services

Referrals increase your chances of interviewing at BNP Paribas Personal Finance by 2x