Job Purpose

The Senior Credit Risk Modelling Analyst is responsible for building, monitoring, and calibrating the statistical models that underpin the risk assessment framework. This includes application scorecards, Probability of Default (PD), Loss Given Default (LGD), behavioural scorecards, models for stress testing and statistical forward-looking projections.

Your key contributions will be to assist in the local construction of new models, ensure the robust calibration of parameters for the UK portfolio, conduct rigorous back-testing, and provide ongoing monitoring and effective challenge to all models in use. This role also involves building new suite of models for Residual Value risk and Stress testing models for ICAAP. Where models are centralised, you will be required to engage with the Group modelling team and support their model developments as required.

Description

• • Support the end-to-end development and implementation of credit risk models (PD, LGD, EAD)
  • Support the back testing for IFRS9 (PD, LGD, EAD, SICR) and  statistical forward-looking Models.
  • Support  Parameter Estimates for IFRS9 to ensure that the models are running as expected.
  • Monitor the performance of the models and implement controls that help to prevent data quality issues affecting the models.
  • Participate to the constant improvement of the models, propose new potential segment to target, comply with the evolution of the regulation and create or improve the documentation where necessary.
  • Experience with External Audit is essential.
  • Stay updated on industry trends, regulatory changes, and best practices in credit risk modelling to ensure the company's policies remain current and effective.
  • Prepare high-quality, detailed model documentation, implementation reports, and performance monitoring presentations for a range of audiences, including senior management, internal audit, and regulatory bodies.
  • Assess the compliance of the models implemented with both EBA (European Banking Authority) and PRA (Prudential Regulation Authority).

Knowledge & Skills

• • Strong academic background with a degree in a quantitative discipline such as Statistics, Mathematics, Economics, Physics, or Engineering. Detailed understanding of the underlying statistical theory is essential.
  • Significant experience in proactively problem solving and analysing of large, complex data sets, identify trends, and make data-driven decisions.
  • Advanced and demonstrable programming skills in SAS are mandatory for this role.
  • Proficiency in at least one other statistical programming language, such as Python or R.
  • Ability to work under pressure and with short deadlines.
  • Advanced knowledge with machine learning techniques (e.g., Gradient Boosting, Random Forests, deep Neural Networks) and their application in a credit risk context is desirable.
  • Strong communication skills, with the ability to articulate complex technical concepts to non-specialist audiences, both orally and in written form.

This is a hybrid role (2 days a week in the office).

Benefits include:

• 27 days annual leave 
• Private Healthcare - Self + Partner Cover
• Annual bonus scheme - up to 10% non-contractual bonus
• COP Car Scheme (£37.50 per month) - Available to order within the first month
• Loan Plan Scheme - entitled up to 2 vehicles at any one time
• Employee pension contribution of 3.5%/Employer pension contribution of 7.22%
• Flexible Benefit Scheme

Role Purpose

You will lead the reporting, in-depth analysis, and comprehensive assessment of the credit risk portfolios throughout the product lifecycle, encompassing both onboarding/lending and in-life credit policies. This role will drive the evaluation and strategic management of credit risk, ensuring that our credit policies are robust, effective, and aligned with the company's risk appetite. You will independently prepare and present advanced data analyses to inform and influence key decision-making processes, with a primary focus on optimising the health and performance of our credit portfolios.

Working closely with the wider Credit teams, you will proactively collaborate and provide expert guidance to ensure that data-driven insights and strategic recommendations are developed and implemented to enhance and maintain the Bank’s credit risk position.

Description

•  Lead the evaluation and optimisation of the creditworthiness assessment of potential clients during the onboarding phase, ensuring alignment with relevant regulation and the company's risk appetite under guidance.
• Proactively monitor and provide strategic insights on the credit risk profile and Cost of Risk performance of existing portfolios, identifying and proactively mitigating potential risks throughout the loan lifecycle. Drive the development and implementation of advanced credit risk mitigation strategies, including improving collection and recovery processes, to optimize capital allocation and ensure effective in-life credit policies.
• Act as a key liaison and lead collaboration with wider Credit teams, as well as cross-functional teams, including but not limited to collections, compliance and risk, to ensure cohesive and integrated risk management practices.
• Independently research and interpret industry and economic trends, regulatory changes, and best practices in credit risk management, translating these into actionable recommendations for the company's policies and strategic direction.
• Champion a culture of data-driven insights, continuously improving processes and policies, and overseeing appropriate data quality and cataloguing is maintained.
• Conduct complex analysis and develop strategic recommendations for opportunities to maximise customer and regulatory outcomes whilst balancing portfolio risk and growth.
• Prepare and present detailed, high-impact reports, analysis, and presentations for senior management, committees, and other stakeholders, clearly articulating key findings and driving consensus on strategic recommendations.
• Lead or manage key credit risk projects as required, ensuring successful delivery and measurable impact.

Knowledge & Skills

Core Credit Risk Expertise & Process Management:

• Expert-level understanding and practical application of end-to-end credit risk management processes within Financial Services, with a proven track record of optimising and enhancing these processes.

Regulatory & Compliance Knowledge:

• Comprehensive and up-to-date expertise in prevailing regulation under both the FCA, PRA and IFRS regimes (inc. CONC, Consumer Duty & IFRS9). In-depth knowledge of ECB regulation is highly desirable. Ability to interpret, apply, and advise on these regulations to ensure compliance and strategic alignment.

Analytical & Problem-Solving Skills:

• Highly proactive and intellectually curious, with a demonstrated ability to independently lead complex problem-solving initiatives. Expert in analysing large and intricate data sets, identifying critical trends, and driving impactful, data-driven strategic decisions.
• Advanced proficiency with analytical data tools (such as SAS, SQL & Microsoft Office), with the ability to develop sophisticated models and analyses.

Communication, Influence & Project Management:

• Exceptional communication and presentation skills, capable of articulating complex findings and recommendations clearly and persuasively to senior stakeholders.

Benefits include:

• 27 days annual leave 
• Private Healthcare - Self + Partner Cover
• Annual bonus scheme - up to 10% non-contractual bonus
• COP Car Scheme (£37.50 per month) - Available to order within the first month
• Loan Plan Scheme - entitled up to 2 vehicles at any one time
• Employee pension contribution of 3.5%/Employer pension contribution of 7.22%
• Flexible Benefit Scheme

We are seeking someone with a strong product governance background to support our client on a six month fixed-term-contract basis.

Job Purpose:

Lead the annual Fair Value Assessments and Product Reviews for all motor finance lending products (PCP, HP, PCH and ad-hoc products), ensuring these meet regulatory expectations and are completed to a high standard within required deadline.

• Update FVA templates with considerations from previous internal audit and compliance reviews.
• Independently assess product performance, customer outcomes, and governance data to identify trends, risks, and issues, building dashboards and using existing MI.
• Collaborate with internal stakeholders from brand (product) teams, pricing, and compliance to clarify any product information, and gather necessary data.

Knowledge & Skills:

• Experience working in a governance, regulatory, risk, or technical role within motor finance or lending.
• Strong, practical knowledge of Consumer Duty and PROD4, particularly from a product manufacturer perspective.
• Demonstrable experience preparing and embedding fair value assessments
• Attention to detail
• Strong written and oral communication skills

This is a hybrid role (2 days a week in their Hertfordshire office) and the salary is up to £85k pro rata. We are looking for someone to start asap.

Please apply now if you are interested and meet the above criteria.

Birchlake are partnering with an established Fintech lender who are looking to bolster their Compliance function with the appointment of a Senior Compliance Advisor.

This is a pivotal hire within the business. You’ll be responsible for supporting on all matters of compliance advisory, providing advice to colleagues and advising on regulatory matters.

Key responsibilities include:

• Provide clear, practical advice to teams across the business on regulatory compliance, especially in areas such as consumer credit, customer protection, and the FCA Handbook.
• Build strong working relationships and act as a trusted advisor by giving commercial, pragmatic, and cost-effective compliance guidance.
• Lead on regulatory change projects - assessing impacts, advising on necessary updates, and helping implement compliant policies and procedures.
• Maintain and regularly review compliance policies, and support teams in aligning their processes with regulatory requirements.
• Design and deliver training sessions on compliance risks and regulatory changes.
• Monitor upcoming regulatory changes, assess their impact on the business, and support implementation and staff training where needed.
• Identify and escalate compliance risks to senior leaders promptly to help minimise business impact.
• Promote a culture of compliance and strong risk management within the business, with a focus on delivering fair outcomes for customers.
• Collaborate regularly with operational teams to understand key processes, assess the effectiveness of controls, and highlight areas for improvement - particularly in arrears management, complaints handling, and support for vulnerable customers.
• Stay up to date with relevant FCA rules and regulations and apply this knowledge when advising the business.
• Provide compliance support for major projects and contribute regulatory insight to strategic business objectives.
• Monitor and assess both current and emerging regulatory risks and keep the business informed of key changes.
• Assist in delivering regulatory updates and reports to internal and external stakeholders.
• Oversee compliance with company policies and procedures across the business.

Key requirements:

• A minimum of 6 years' compliance experience in a FCA regulated environment
• Consumer Credit legislation and Consumer duty principles expertise
• Experience of writing detailed policies and procedures
• Excellent communication skills; calm and pragmatic approach
• Strong attention to detail

Birchlake Recruitment is partnering with a well-established financial advice organisation to identify an experienced Training & Competency (T&C) Supervisor. This role will play a key part in ensuring advisers meet regulatory competency standards while supporting ongoing development, supervision, and compliance across the business. This is a fully remote role. 

The Role:

The T&C Supervisor will oversee adviser competence, ensuring regulatory requirements are met while supporting advisers through effective supervision, coaching, and performance monitoring. The role will also lead structured induction programmes for new advisers and ensure they achieve Competent Adviser Status (CAS) efficiently.

You will work closely with sales management, risk, and compliance teams to monitor adviser performance, analyse competency data, and promote best practice across the organisation.

Key Responsibilities:

• Deliver and manage structured T&C supervisionin line with FCA requirements and internal policies.
• Support adviser development through coaching, monitoring, and competency assessments.
• Design and deliver tailored induction programmes for new advisers to achieve CAS.
• Supervise advisers across different competency levels and provide targeted support where required.
• Produce management information (MI) and reporting on adviser performance and RAG status.
• Collaborate with sales leadership, QA, and compliance teams to ensure strong regulatory oversight.
• Promote high standards of client outcomes, compliance, and professional conduct.

Requirements:

• Minimum 6 years’ experience in financial services, ideally within a Training & Competency or supervisory environment.
• Relevant Level 4 financial services qualifications (or equivalent).
• Strong understanding of T&C regulations and adviser competency frameworks.
• Experience analysing adviser performance data and producing meaningful reporting.
• Excellent communication, organisational, and stakeholder management skills.

Desirable Experience:

• Background in compliance, risk, or audit functions.
• Experience reviewing pension transfer or similar complex advice cases.

Benefits:

• Car allowance of £3,500
• Death in Service life cover - 2x salary
• Group Income Protection 
• 5% flexible benefits

We are working on behalf of a Hertfordshire based lender who are recruiting two Credit Analysts within the 

Credit Operations team.

The new business Credit analyst will demonstrate excellent attention to detail and will be the proactive point of contact between the Credit Operations department, Network Funding, Account Manager and the Dealer & Broker Network, ensuring new business applications are assessed in a timely and accurate manner.

This is a hybrid role (initial training in the office is required for the first few weeks) with 1-2 days a month for team building purposes and attendance when business needs arise. There is also a requirement to work 1 Saturday each month and 1 Sunday each quarter.

Role Description:

• Respond to all Dealer enquiries in an efficient and courteous manner via phone and over email

• Assist dealers to convert a negative decision to an acceptable proposal to the business providing the risk is within company guidelines
• Follow up on a daily basis any proposals you have deferred for further information
• Underwrite referred proposals within authority and refer to a higher level authority when necessary
• Ability to read & understand company accounts In order to make sound decisions

• Ensure CIFAS applications are investigated correctly and thoroughly and that anypossible frauds are identified promptly referred for further action.
• Highlight any problems that may arise to your manager and offer possible solutions
• Ensure department Service Quality Commitments (SQC’s) and Key Performance Indicators (KPI’s) are met whilst also maintaining high service levels and standards
• Work transversely across Operations and throughout the business supporting your colleagues in other areas
• Protect the company at all times from fraud and financial exposure
• Comply with all company procedures and standards
• To comply with all relevant legislation at all times such as Consumer Credit Act, Money Laundering Act, Data Protection Act and the FLA code of practice

Knowledge & Skills:

• Asset underwriting experience
• Eye for detail & Good standard of numeracy
• Excellent telephone manner and communication skills
• Effective written / verbal communication skills
• Ability to read & understand company accounts
• Team Player
• Pro-active attitude
• Computer literate
• Problem solving

We are delighted to be working on behalf of one of our key clients who are looking to appoint a ESG & Climate Risk Manager. They are fully committed to driving sustainable practices and meeting regulatory requirements on climate risk and ESG performance and this role is critical in supporting their mission to integrate sustainability into business strategy and operations.

Job Purpose

• To undertake the updating and embedding of the existing risk management system to enable the firm to manage its
  operational risks, including conduct risk, and adhering to Consumer Duty requirements.
• Ensuring that the business adheres to Group Operational Risk Control System policy and guideline requirements.
• Being a point of contact for the first line Risk Champions to ensure that the activities required to meet Group
  requirements are undertaken within the prescribed deadlines.
• Assisting in the setting the standards for risk management and promoting a risk centric culture within the business.
• Demonstrating a high work ethic and possess core knowledge and skills to support Risk Management objectives.

• Working closely with the Head of Risk & Compliance and Senior Risk Manager.
• Undertake the required training for the two bespoke risk management systems.
• Work closely with the Business Process Manager through the scoping and mapping phases.
• Work closely with the Risk Champions to review the risks and controls data and update in line with the Group Risk 
  requirements into the risk management system.
• Provide the necessary support and guidance in identifying risks and controls. Where risks are outside of process theyare recorded in the Op Risk Questionnaire.
• Support the Risk Champions through the assessment stage by providing oversight and guidance on the assessment.
• Ensure that in both systems relevant approvals are obtained.
• Ensure the relevant work in both systems are completed within prescribed deadlines.
• Write up procedure documents for both systems.
• Providing any training necessary to Process Owners and Risk Champions as part of the hand off process
• Assisting in any ad hoc requests relating to the two system requirements.
• Ensure Operational Risk Control System feedback has been fulfilled.

• Previous experience in embedding risk management systems within the insurance sector.
• Excellent knowledge of the Risk Management Cycle.
• Experience with risk analysis and reporting.
• Analytical mind with problem-solving aptitude.
• Excellent communication and presentations skills.
• A proactive approach to work, in terms of suggesting changes and improvements to processes and systems.
• Commercial awareness and the ability to understand broad business issues.

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