Credit Risk Manager - BBSL

We’re Atom… The bank that's leading the fintech charge We’re not like the rest. We’re true innovators, and we’re redefining what a bank should be. Ours is a bank for today and the future, a mobile-first bank. Forget the stuffy branches, with Atom you can bank whenever, wherever, faster, and simpler. Could you be the next innovator to join us? What will your typical day look like? Different that’s for sure… As Credit Risk Manager you are responsible for leading the ongoing review and oversight of credit performance across the BBSL products and for reporting lending product performance and analysis of variances to budget and appetite. You’ll create insights and recommendations for use in the development of proposals to adjust credit strategy to maximise the profitability of the BBSL lending portfolio. This role also supports the delivery of increased automation working with the Decision Systems team to deliver efficient and cost-effective account opening and customer management across Atom’s BBSL product range ensuring that Atom policies can be effectively applied with minimal levels of manual intervention. You will: Take a lead role in the development and delivery of credit MI to ensure the effective and ongoing monitoring of BBSL credit risk strategies. Perform regular, comprehensive credit reporting and investigative analysis on new business and portfolio performance to highlight issues and identify improvements to policies and procedures. Provide insight on the BBSL portfolio and segment performance through forecasting and targeted analysis. Provide support for the creation, update, and approval of regulatory documents. Assist in the delivery of the team’s objective to deliver increased levels of automation (including strategies, scorecards, policy rules and calculators) across all new business applications. Assist with the design and implementation of champion challenger tests to progressively refine credit strategies. What do we need from you? Good understanding of retail banking products, preferably mortgages. Considerable experience within a Credit related role Understanding of data systems and infrastructures. Programming, database extraction and reporting experience. Strong data interpretation/interrogation skills, including data manipulation and analysis techniques, to create meaningful insight. Proficient user of SAS, R or similar. Strong MS Office skills, in particular MS Excel. Good verbal and written communication skills. Able to build effective working relationships with stakeholders. Strong attention to detail. What you’ll get from us? 4-day work week Annual Share Option - performance-related Incredibly generous company pension scheme (maximum of 13% of Atom input - you can put in more) 'All About Me’ fund: £200 per year to spend on personal development. 22.5 days annual leave plus public holidays Private Medical Insurance, Health Cash Plan & Life Insurance Electric Vehicle Scheme

Location: Durham, GB

Posted Date: 2/24/2025