Job Title: Risk Manager

Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues 

Hours: Full time, Permanent.  

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A bit about us: 

At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.

The Role:

As Risk Manager, you’ll oversee day-to-day credit risk strategies for Consumer Finance, ensuring lending aligns with business standards and fair customer outcomes. You’ll review and enhance credit risk controls, monitoring performance against key risk indicators. The role involves analysing outcomes versus expectations and identifying any concerning trends. Your insights will help shape effective, responsible lending practices.

Key Responsibilities: 

• Oversee asset quality and credit risk strategies across Consumer Finance portfolios, ensuring alignment with risk appetite and presenting insights to senior management.
• Own and maintain credit risk policies and documentation within account opening and management systems, supporting operational teams while protecting customer outcomes.
• Lead initiatives to identify safe growth opportunities, delivering strategic insights and updates on policy changes to key stakeholders.
• Produce and manage regular and ad-hoc reporting for governance forums, highlighting key trends, performance, and recommended actions.
• Build strong relationships with Credit Reference Agencies and internal teams, contributing to cross-functional projects and supporting the Head of Risk when required.

Skills & Attributes:

• Proven experience working in a Risk Analysis role at a Senior level within unsecured lending.
• Complete understanding of the consumer risk lifecycle.
• Excellent attention to detail & Analysis.
• Experience working with SAS, Excel & SQL.
• Stakeholder management.
• Understanding of credit bureau data & products. 

What’s in it for you?

Joining BNP Paribas Personal Finance means becoming part of a Top Employer UK dedicated to making a difference to the lives of our customers. Along with a fulfilling career, you'll be able to enjoy a benefits package which you can tailor to your lifestyle and needs, with key highlights including; 

• Competitive salary and a contributory pension scheme
• Access to our Health Cash Plan Scheme
• A multi-award-winning flexible benefits platform offering life insurance, private medical insurance, or lifestyle benefits that include discounts on dining, cinema, and days out
• The opportunity to buy and sell holidays, giving you even more control over your work-life balance

Could this be you? 

Making a positive impact is at the heart of everything we do – whether for our colleagues, customers, partners, or the community. We live by our values: We’re positive, we’re brave, and we own it. We believe a positive attitude and a passion for making things happen matter most. Don’t let confidence hold you back – there’s no such thing as a ‘perfect’ candidate. If you meet 75% of the requirements for this role, we want to hear from you! Whether you're considering a career change or exploring a sector jump, we welcome applicants with transferable skills.

Apply now to express your interest and discover how you can make a meaningful contribution to our dynamic team.

To learn more about careers at BNP Paribas Personal Finance UK, visit our website: https://www.bnpparibas-pf.co.uk/careers.

Equal Opportunities Disclaimer

BNP Paribas Personal Finance promotes equality of opportunity and is committed to ensure that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation