Credit Risk Manager

About the Role

Our client is seeking an experienced and strategic Credit Risk Manager to lead their risk management function in Cardiff . This critical role will be responsible for developing, implementing, and overseeing the organization's credit risk framework, policies, and procedures within the banking and finance sector. You will play a vital part in assessing and managing credit exposures, ensuring the soundness of lending activities, and safeguarding the financial health of the institution. The ideal candidate will possess a deep understanding of risk analytics and a proven ability to navigate complex financial landscapes in a challenging market environment.

Key Responsibilities

• Develop and refine credit risk assessment methodologies, policies, and procedures.
• Monitor and analyze the credit quality of the loan portfolio, identifying emerging risks and trends.
• Set credit limits and approval guidelines for various client segments and financial products.
• Oversee the stress testing and scenario analysis of the credit portfolio.
• Collaborate with business development teams to ensure credit risk appetite is aligned with strategic objectives.
• Report on credit risk exposures, portfolio performance, and regulatory compliance to senior management and the board.

Requirements

• Master's degree in Finance, Economics, Mathematics, Statistics, or a related quantitative discipline.
• Significant experience (7+ years) in credit risk management, credit analysis, or a related field within the banking industry .
• Strong knowledge of credit risk modeling techniques, regulatory frameworks (e.g., Basel III/IV), and portfolio management.
• Proficiency in risk management software, databases, and analytical tools.
• Exceptional analytical, problem-solving, and leadership skills.

Benefits

• Competitive salary and comprehensive executive benefits package.
• Hybrid work arrangement offering a balance of office and remote work.
• Generous annual leave allowance and private healthcare coverage.
• Significant opportunities for professional growth and leadership development.
• A pivotal role in shaping the risk strategy of a reputable financial institution in Cardiff .