Business Unit:  Chief Credit Office
Salary range: £74,400 - £93,000 per annum DOE + red-hot benefits
Location:  UK Remote
Contract type: Permanent

Live for the weekday. Live a life more Virgin. 

Our Team 

The Secured Credit team plays a pivotal role in shaping our lending strategy across secured lending, with responsibility for the design and delivery of innovative mortgage lending credit strategies and policies across the credit lifecycle. Reporting to the Head of Secured Credit Risk, you’ll be a member of the Secured Credit Risk leadership team and will lead a team of highly skilled credit risk managers and analysts.

What you’ll be doing

• Shape Our Future: Develop and implement innovative credit risk strategies and policies to drive sustainable business growth.
• Protect Our Assets: Assess and manage credit risk for our secured lending portfolios, providing actionable insight into customers, portfolio performance and emerging risks and opportunities.
• Stay Ahead of the Curve: Seek data and technology led innovation to improve customer journeys and internal processes.
• Ensure Compliance: Stay up to date on regulatory expectations and ensure compliance of credit policies.
• Mentor and Guide: Engage, inspire, and motivate credit analysts and portfolio managers.
• Collaborate for Success: Partner with stakeholders across the organisation to optimise credit risk management processes.
• Innovate and Evolve: Contribute to the development and implementation of new products, system design and initiatives.

We need you to have

• The ability to build strong relationships: Proven ability to build trust and collaborate effectively with stakeholders across the organisation.
• Credit Risk expertise: Proven experience in credit risk management within in the secured lending sector.
• Market knowledge: Extensive understanding of the UK lending market, particularly within secured lending.
• Leadership skills: The proven ability to lead with purpose and inspire your team to achieve exceptional results.
• A talent for communication: Capability to condense and simplify complex information to brief and influence senior stakeholders.
• Excellent time management: Aptitude to support multiple priorities in a fast-changing environment and prioritise effectively.
• Analytical Mindset: Bachelor’s degree in finance, Economics, or a related field, coupled with strong analytical and problem-solving skills. 

It’s a bonus if you have but not essential

• Technical expertise: Knowledge of analytical programming languages e.g. Python, SAS. Experience with data software e.g. Excel, Power BI.
• Credit lifecycle knowledge: From acquisition through to collections and litigation.
• Transformation experience: Experience of leading redesign of data, policy and/or systems from a credit risk management perspective.

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 careers@virginmoney.com

It’s important to note that there may be occasions where it’s not possible to interview all candidates declaring a disability who meet the essential criteria for the job. In certain recruitment situations such as receiving a high-volume of applications, we may need to limit the overall numbers of interviews offered to both disabled and non-disabled applicants. 

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.