SCUK Analytics and Oversight Manager

Country: United Kingdom

Santander Consumer Finance UK (SCUK) is based in Redhill, Surrey and provides motor finance to a network of car dealerships throughout the United Kingdom. We are pleased to share that we are currently looking for an Analytics and Oversight Manager to join our Retail Risk Department working on a hybrid basis (with a minimum of 3 days a week in the office).

Reporting to the Head of Retail Risk, and leading your own team of 6, you will manage, own, understand, explain movements in the Credit market. You will also manage quality monitoring and oversight of Credit Risk requirements translated from the CPD and ensure systems align with SCUK's policies.

Main responsibilities will include:

• To develop and maintain an integrated programme to identify, assess, manage and report Credit risk and controls enabling the achievement of strategic objectives and supporting the SCUK's corporate goals within agreed risk appetite constraints. Ensuring the area operates effectively in adherence to the internal policies of the bank and legislative/regulatory guidelines of relevant external authorities
• Developing people's potential and being a good coach. Gives effective individual feedback and is an active listener. Manages and evaluates people in an objective manner. Encourages others by supporting them and celebrating success
• To lead, motivate and develop teams to perform effectively and to deliver a culture of technical and personal development and excellence in industry practices
• To manage the credit portfolios to ensure they operate with their agreed Credit risk appetite(s) at all times, apportioning as appropriate between its differing sub-portfolios to ensure that the Board's objectives are met
• Taking action to align the organisation around the client and the Group's mutual success. Acts to develop customer relationships and seeks to exceed client's expectations. Leads others to actively manage new business opportunities, improve service quality and exceed customer expectations
• To optimise the Credit risk reward equation, track, identify and quantify changes in actual and predicted credit, income performance etc; highlight all relevant commercial, cultural, reputational implications etc; advise the Board and stakeholders of potential consequences in a timely and proactive manner and gain agreement to & implement actions to resolve or mitigate potential risks
• To develop a culture where SCUK credit risk is ingrained throughout the business by driving the development of industry leading approaches that ensure all legal, operational, reputational, audit and commercial obligations etc are met
• To manage relationships with internal stakeholders to ensure their understanding of credit risk; promoting and educating the business in relation to suitability, commerciality, limitations, impact, and obligations through the whole customer lifecycle and in the context of the current or anticipated wider economic environment
• To build and manage relationships with external stakeholders including the PRA & FCA and other Regulators to develop enduring relationships for the effective operation of the Bank. (this includes providing industry expertise and guidance to the business with respect to market dynamics, risk tools and methodologies)

• Significant experience in broad spectrum of retail businesses including high & low automated environments and customer /product focus
• Experience of working alongside key suppliers: internal, external, governance and application bodies e.g., CRAs, etc.
• A strong understanding of cultural alignment to the operating environment, particularly the supply and utilisation of data to support decision making e.g., information-based decision and assessment tools
• Experience of working with the PRA & FCA regulatory environment associated with banking activities to ensure compliance with regulatory requirements, with particular focus on the retail banking environment in the UK

• Proven track record of leadership at a senior level in Retail Financial Services focused on Retail Banking with significant experience of a range of retail segments
• In depth understanding of the Credit Risk analysis tools & techniques used throughout the credit lifecycle, including their limitations
• Experience of working with automated scorecard development and deployments
• Previous experience of managing operational areas i.e., underwriting, fraud, customer service
• Experience of developing, implementing, and integrating institutional wide core decision solutions that touch all areas of the organisation
• Experience gained in a wide variety of organisations and complex organisational structures

• Competitive salary of £65,000-£70,000 (dependent on experience)
• 30 days holiday per annum, plus bank holidays
• Annual bonus based on personal and company performance
• Car allowance
• Private medical cover
• Generous pension contributions
• Employee assistance programme
• Sharesave scheme
• Gym passes at a reduced rate for 3,000 gyms, leisure centres etc

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