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Strategy Manager, Unsecured Lending in Retail Credit Risk

The Business

We're looking for a Strategy Manager, Unsecured Lending to join Retail Credit Risk in Dublin or Belfast

  • This is an influential role which will give you the chance to make a tangible and valuable contribution to our unsecured lending strategy
  • You'll lead work to optimise automated credit lending strategies which balance great customer experience with prudent risk management
  • You can expect to raise your profile through exposure to senior leaders in the bank, and will have a great opportunity to improve the customer journey

What you'll do

This important role will see you leading teams of analysts in developing and deploying a range of complex lending strategies, including excess limit strategies, new lending, pre-assessed limits, and renewal, covering all of our unsecured lending products. You'll then monitor the different portfolios' performance to see that they're in line with both expectations and our risk appetite, identifying any weaknesses and working with stakeholders to recommend actions to address them, and see that they're followed through. You'll also provide a key contribution to the customer experience by overseeing our lending processes, making sure that they are effective and compliant.

Key aspects of your role will include:

  • Specifying portfolio MI requirements, and collaborating with key stakeholders to make sure portfolio reporting remains appropriate, and that key drivers of business performance are fully understood
  • Providing oversight and assurance of first line lending and product management processes, intervening to address any issues
  • Identifying any emerging risks, and leading action to address them
  • Working with third party suppliers to make sure our systems and operational capability remain optimal and appropriate

The skills you'll need

While direct people management won't be a feature of the role, we'll be looking for experience of overseeing other teams' work or of managing outsourcing partners. Knowledge of unsecured lending products, data and lending practices would also be welcome as would experience in implementing scorecards and automated lending strategies.

We'll also expect:

  • A history of leading initiatives to improve portfolio performance, or optimising processes in a lending environment
  • A strong understanding of the regulatory and policy requirements relating to lending and lending processes in the Republic of Ireland
  • Proven problem solving skills and the ability to oversee work to implement solutions
  • A strong communication and stakeholder management skills

How we'll reward you

In return, we offer a competitive salary and you'll also join our retirement savings plan. You can also choose from a selection of protection, healthcare or lifestyle extras from RBSelect, our fully flexible reward programme.

Visit our reward and benefits page for more information on the benefit packages we offer.

Inclusion

At Ulster Bank, we want everyone to feel welcome, regardless of your background or needs. If you need adjustments making to your working environment, we’ll do everything we can to support you. As part of this commitment, we offer flexible working options for some of our roles - find out more.