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Risk Analyst - Auto Financial Services

Posted 24 April by Callidus Consulting Limited Easy Apply Ended

Risk Analyst - Auto Financial Services

South East Surrey

£35k to £40k base + quarterly discretionary bonus, pension and car scheme

The Role

Reporting to the Deputy Risk Director and based at head office, the key purpose of the role is to analyse, model, monitor, report on and develop the organisation’s residual value, provisioning, retail and corporate credit risk data and activities. With a particular focus on maintaining and improving the retail product and portfolio residual value and consumer credit risk profiles.

You will be joining a team of three within the wider risk department with a remit specifically to focus on retail risk.

There will be an opportunity / requirement for occasional international as well as domestic travel.

Key Accountabilities will include:

Strategic responsibilities - Analysing, modelling, monitoring, reporting on, developing the company’s retail and corporate credit risk data and profiles with a particular focus on the residual value (RV) portfolio and appropriate provisioning:

Planning and budgetary control - Contributing to the development of an annual business plan and budgets in line with overall objectives, including timings and high-level deliverables based on the strategic goals established for the role with line management and support the delivery of the plan in line with the prescribed timings.

Technical knowledge - Maintaining up-to-date awareness of all relevant SAS risk, credit, compliance and regulatory requirements, and market performance and best practice. Working with the business and related partners to continually refine policies and processes. Act as a risk subject matter expert within the organisation.

Stakeholder engagement - Establishing a sound working relationship with all areas of the business, including external key stakeholders.

Communication and reporting - Establishing and maintaining effective communications with all related regulatory and compliance bodies, head office departments, OEM partners and other key stakeholders. Working under the guidance of line management, develop and produce and maintain a high quality MI reporting suite/dashboard.

Outsourced oversight - Maintaining effective oversight and monitoring of any outsourced or other department related activities, to ensure performance against Key Performance Indicators (KPIs) and Service Level Agreements (SLAs) are delivered and contractual obligations and charges are verified and audited.

Insight and continuous improvement - Establishing an on-going review process in order to continually improve and refine the departments QA measures and performance and to ensure continued adherence to legislation, regulation and internal policy.

The Business

An exciting, dynamic and growing Motor FS business within a broader, global consumer finance company. Within a relaxed and informal environment they are highly ambitious, and exceptionally focussed on delivering results - with every team member undertaking their role employing a significant work ethic and sense of ownership. Their flat structure means big decisions are made quickly and each team member throughout the business can thrive, being left alone to deliver in their role.

About You

You are most likely a graduate and have relevant SAS certification and are preferably qualified or part-qualified or studying towards a recognised credit risk management qualification.

With at least two years’ relevant risk analysis experience ideally with automotive financial services or closely related sector together with the required soft skills, you are well versed in the broader areas of financial services operations including:

  • Products and services
  • Automotive market - RV data management
  • Related data and reporting

You have accreditation and a strong understanding of relevant SAS software and related modelling, together with data mining, MI/reporting and the related technical knowledge as well as a sound knowledge of policies and procedures within financial services regulated and compliant environments

With strong all round PC software skills, you are able to produce high quality, accurate working documentation and presentations, including business case proposals and requirements, briefs and presentations

You preferably has an understanding of the retail consumer credit environment and the use of customer data and are familiar with the principles encapsulated within 'treating customers fairly’ and operational/conduct risk. You also ideally have experience of the automotive sales market and related valuations.

In addition to the above it is expected that any candidate is able to display a good understanding of the broader risk analyst role and the market sector, can exhibit sound business acumen, has excellent interpersonal skills and is comfortable and confident when dealing with Senior/Board-level management.

A full driving licence would be beneficial.

(Risk Analyst, Analyst, Business Analyst, RV Analyst, SAS, SQL, Financial Services, Automotive, Reigate, Surrey, Leatherhead, Guildford, FS)

Required skills

  • Automotive
  • Financial Services
  • Risk Analysis

Reference: 34626139

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