Senior Manager - Business Credit Strategy

Business Unit:  Chief Credit Office Salary range: £74,400 - £111,600 DOE per annum + red hot benefits  Location:  UK Remote with occasional travel to a hub  Don’t settle for dull. Live a life more Virgin. Our Team Our Business Credit Insight & Innovation plays a pivotal role in shaping our lending strategy across business lending. We're looking for a Senior Manager to join our team and help us transform our business credit risk capability, ensuring the customer is put at the heart of our lending journey. The role will focus on innovating and supporting sustainable growth in a responsible manner, ensuring our lending meets customer needs and regulatory standards. What you’ll be doing Lead the development and implementation of innovative business credit strategies to drive growth within risk appetite and regulatory guidelines. Design a comprehensive automation roadmap for business lending, driving the business case forward and winning executive buy in to deliver the programme of work. Develop automation initiatives for business credit risk, including comprehensive automated credit assessments and process improvements. Leverage technology and new data sources to streamline lending processes and provide insight into the business lending portfolios, driving efficiency across the business. Own the credit strategy for small business lending, ensuring adherence to relevant policies, processes, and regulatory requirements across the credit cycle. Provide monitoring, oversight and analysis of the business lending portfolio performance. Support the assessment of lending applications for all aspects of the business portfolio, contributing to the decision-making process. Deputising for Head of Business Credit Insight & Innovation at relevant fora, committees and external events as required. We need you to have Proven Leadership and Change Management Skills: Ability to drive change and influence senior stakeholders across all functions within a financial services organisation. Expert in Credit Risk Change and Delivery: Experience of designing end to end customer journeys whilst ensuring credit risk is managed efficiently and effectively. Proven experience of managing complex and diverse portfolios: Deep experience of managing credit risk across a variety of segments and sectors. Expert Business Lending Knowledge: Deep understanding of business lending strategy, products, processes, regulations and data. Strong Regulatory and Industry Expertise: In-depth knowledge of relevant industry regulation and standards. Analytical and Problem-Solving Skills: Ability to analyse complex issues and make informed decisions. It’s a bonus if you have but not essential Credit risk modelling experience for a business lending portfolio. Experience of developing credit strategies for deployment in a range of decisioning systems. A deep understanding of risk reward dynamics. Red Hot Rewards Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time)​ plus the option to buy more. Up to five extra paid well-being days per year​.  20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.  Market-leading pension. Free private medical cover, income protection and life assurance. Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.  And there's no waiting around, you'll enjoy these benefits from day one. Feeling insatiably curious about this role? If we’re lucky to receive a lot of interest, we may close the advert early and would hate you to miss out. We're all about helping you Live a Life More Virgin, so happy to talk flexible working with you. Say hello to Virgin Money We’re making great strides towards achieving our ambition of becoming the UK’s best digital bank.  As a full-service digital bank with a heritage stretching back over 180 years, we’re a workforce to be reckoned with, and we're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We're customer-obsessed and work tirelessly to deliver on our purpose, ‘Making You Happier About Money.’ This means we're able to do banking differently, and by innovating and working together we can make a real difference by creating memorable moments and red-hot experiences for our millions of customers. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work.  Be yourself at Virgin Money Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities.  We’re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.   As a Disability Confident Leader, we're committed to removing any obstacles to inclusion.  If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team Now the legal bit Living A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it), but we'll need you to confirm you have the right to work in the UK. If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks – we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks