11 days old

Credit Risk Director

Capital One
White Collar Factory (95009), United Kingdom, London, London

At Capital One, were building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.                                               

Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.

Credit Risk Director

Were on the lookout for a Credit Risk Director to join either our London or Nottingham office, and lead on all things credit, risk, governance and acquisitions. Placing you centre stage in a forward-thinking business built on analytical marketing & risk management, youll have a unique opportunity to learn and influence how we run the business and ultimately make the best possible decisions for both our company and our customers. Youll work closely with our senior leadership team, and will always be hungry to find out more - thinking about how we can do things better and what our strengths, weaknesses, risks and opportunities could be. We know that youll be planning on making a real impact in this role, and for those that like to think about the long term, this role has great potential to carve the way and set you on the right path for those who wish to become a credit officer in the future. 


What will you be doing?


  • Credit Risk Management leading the oversight and management of our Consumer Lending programmes from a second line perspective.  Spotting any potential unidentified risks and ensuring a policy and infrastructure that supports risk management

  • Challenging the status quo and any established thinking, whilst shaping the strategic intent for products and direct-to-consumer marketing efforts

  • Helping to assess the portfolio and performance of the UK business to present to enterprise as well as escalating risk topics for discussion with senior enterprise stakeholders

  • Leading and being involved in credit risk initiatives across the international and US business

  • Supporting step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behaviour, creating risk models, and testing hypotheses using monitoring and analysis

  • Both leading and learning in a community of credit and lending practitioners

  • Having a unique perspective on the UK business across all credit programs with broad exposure across acquisitions, line management, yield management, and risk operations

  • Working with your team to extract data, and analysing this data to find insights that youll share with your stakeholders and senior leadership teams in the UK and across the enterprise

  • Providing inspirational leadership for 2-3 direct reports in your team, empowering your team and leading by example


Who are we looking for? 


  • Youll have a deep experience in credit risk management, or a credit environment in a financial institution or from a consulting environment

  • Experience of the first line of defence is essential, ideally with an understanding of second line of defence too

  • An understanding of the credit card industry, how the business model works and how we interact with our customers

  • A proven track record of decision making and problem solving based on analytics; a strong quantitative orientation matched with conceptual thinking skills

  • Knowledge of SQL, SAS, Python or data structures would be advantageous to help your team extract insights and data

  • Ability to combine business experience with statistical modelling skills to reach results that are both intuitive and technically sound

  • Someone with strong business judgement, leadership and integrity: you'll be a tenacious decision maker, able to bring a healthy, balanced approach to business, and able to take action 

  • Educated to degree level or equivalent with a STEM subject - strong numerical skills are needed for this role

Whats in it for you;


  • Bring us all this - and youll be rewarded with a role offering a broad view of the business at a senior level, combined with a real depth of intellectual challenge as you assess major decisions at the forefront of our organisational transformation

  • We offer high performers strong and diverse career progression, investing heavily in developing great leaders through our Capital One University training programmes (and appropriate external providers)

  • Immediate access to our core benefits including pension scheme, bonus, generous holiday entitlement and private medical insurance

Capital One is committed to diversity in the workplace.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

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Posted: 2019-08-07 Expires: 2019-09-06

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Credit Risk Director

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