X-Sell Lending Specialist

  • Department: Financial & Credit Risk
  • Location: Edinburgh
  • Published: 01/09/2021
  • Apply by: 16/09/2021

You’ll bring the ambition, we’ll provide the opportunities

Tesco has built its success – and its reputation – on a tradition of excellent service and dedication to the customer, but Tesco Bank is about more than bringing these values to a new market. It’s about bringing a new approach to personal finances and retail banking. As we look to build upon existing talent within our senior and specialist roles, we’re creating a backbone of excellence – offering the highest-calibre of professional a chance for wide-ranging and long-lasting impact in a business that’s breathing new life into the industry.

Job Summary:

Develop and optimise the credit strategy for existing customers, that supports sustainable growth and is within Risk Appetite limits (all lending products)

In this job, I am accountable for:

  • Develop and optimise credit strategies for lending to existing customers, that fully align with the Customer strategy and consider the expected macro outlook
  • Monitor performance against targets, driving corrective action on segments that are performing outside of expectations
  • Ensure lending remains within risk appetite limits
  • Monitor the impact that credit strategies have on customers, aiming to deliver good outcomes at all times
  • Develop early warning indicators for identifying customers in financial difficulty
  • Support financial wellbeing initiatives and provide the appropriate support where appropriate, e.g. vulnerable customers
  • Manage profit volatility, e.g. the balance between the profit generated in benign economic times with the losses incurred in a downturn
  • Produce high quality change papers and present at credit committees, using a range of influencing skills to gain support from key stakeholders
  • Identify and develop new initiatives that support sustainable growth
  • Oversee and challenge performance in Collections and Recoveries
  • Scan the external environment to maintain high levels of market knowledge and support best practice
  • Plan and prioritise workload effectively so the time allocated to supporting business initiatives, BAU work and ad-hoc tasks is optimal
  • Build effective internal and external networks to develop understanding of strategic priorities, market knowledge and peer comparisons
  • Maintain full compliance with the Bank's policies, business risk controls and procedures
  • Role model the behaviours in the Bank's leadership framework to ensure we consider 'how' we deliver as well as 'what'
  • Play a key role a making Tesco Bank an inspirational, innovative, healthy and enjoyable place to work

Experience and Knowledge:

  • Good experience within a Credit Risk Function or similar Analytical Role
  • Relevant honours degree
  • Extensive knowledge of retail credit risk management techniques
  • Experience with SAS or other statistical packages
  • Demonstrable experience in managing demanding workloads

Wherever your talent lies, you’ll find challenge and reward in equal measure. We’re here to go the extra mile for our customers – and we’ll do the same for you. It’s simple. As long as you have the ambition, we’ll provide the opportunity for success. Visit our website and find the role that’s right for you.

X-Sell Lending Specialist


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