Head of Credit Risk

Key Responsibilities will include:

• Key member of the Retail senior senior team members collaborating and providing guidance to colleagues on credit risk policies.
• Monitoring and reporting on Hodge’s residential mortgage portfolio at Retail Credit Committee, Executive senior team members and board.
• Development of our mortgage risk policies to allow Hodge to appropriately manage its lending risks while recognising changing customer behaviour.
• Directing and developing a team of three credit risk analysts.
• Lead credit risk analytics across Hodge’s mortgage portfolio and forward flow agreements. Hodge has forward flow agreements across Buy to Let lending and motor finance.
• Maintain a robust framework to monitor the performance of our mortgage origination.
• Provide oversight to the underwriting function through data and QA.
• To keep abreast of external economic and market conditions that could impact the business.
• Communicate complex analyses, insights and proposals clearly and effectively to both technical and non-technical stakeholders

General:

• Maintain good knowledge and understanding of all relevant departmental policies and procedures relevant to the role, being compliant with these policies and procedures at all times.
• Undertake any other reasonable tasks as and when requested by management.
• Support the risk culture of the organisation by taking personal responsibility for identifying and managing risks in everything you do.
• Comply with all company policies and procedures and legislative and regulatory requirements, including, but not exhaustively, those related to GDPR, Financial Crime, including Money Laundering & Fraud, Health & Safety, PRA/FCA regulations, employment and other legislative requirements (as applicable) ensuring a good understanding, a knowledge of the key risks and the duty of care required to abide by them to protect the Bank.
• Ensure adherence to all audit and compliance requirements and Bank Policy and Procedure.
• Develop and maintain an up-to-date knowledge of Compliance & Risk regulatory and legislative information related to products/services (e.g. PRA/FCA rules, Data Protection, Money Laundering, etc.), as advised by line management.

Please be aware that should we pursue your application, all our Financial Services employees will be expected to complete background checks to assess suitability for employment, these include; a criminal record, identity, sanctions, adverse finance, fraud prevention and reference checks to comply with our regulatory requirements.

Hodge is an advocate of being an equal opportunities employer, We believe in promoting equality and diversity which is central to our lives today. We welcome applications from all sections of the community and recognises the value a diverse workforce brings to an organisation.

ESG and sustainability are at the heart of everything we do and serves as a reminder of the responsibility we have to our stakeholders, customers, colleagues and the communities we operate in to use our position wisely. We’re currently exploring different certifications available and have done an initial review of how we think we’d fare, as we see this as a real opportunity for Hodge given our social purpose.

Apply today to become part of Hodge’s mission to make life better for customers and society in the moments that matter.