Portfolio Manager, Acquisition
To design and implement credit management strategies that will enable the Bank`s business across Mortgage portfolios in order to control lending risk, deliver sustainable growth, and meet customer needs.
The successful candidate must be able to perform the following:
- Ensure the credit quality of new business in line with the agreed risk appetite.
- Develop credit policies to ensure acceptance rates are maximised in line with business targets whilst ensuring that bad debts are controlled within budget.
- Work closely with Marketing and Finance within the Bank to develop customer lifetime value models for the business.
- Undertake regular analysis to ensure levels of automated credit decisioning are optimised and in full accordance with regulatory requirements.
- Work with Decision Science team to ensure that effective acquisition scorecards are built and perform in line with expectations.
- Develop risk based pricing models in consultation with Finance, continually reviewing assumptions made in profit model development.
- Direct credit analysts in the development and implementation of new strategies, development of test plans and ensure all strategies have been successfully and accurately implemented.
- Ensure application score cut-offs and limit assignment strategies are consistent with the business objectives and consider customer affordability.
- Develop strong relationships with senior stakeholders across the business.
Our client is a leading UK Retail Bank
Competitive package
Where specific UK qualifications are required we will take into account overseas equivalents.
Please quote Michael Page reference when applying Job ref:MPGX13263258
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