Handelsbanken on cord

Handelsbanken

Operational High Risk Analyst

External position
London, UK
Hiring internally for Handelsbanken?
Banking
Handelsbanken is a relationship bank with a decentralised way of working, a strong local presence thanks to a nationwide network of branches, and a long-term approach to customer relations.
Active
over 6 months ago
Posted
5 days ago
Checked
cord regularly checks that external positions are still open
2 days ago

Skills & Experience

Job roles: Risk and Compliance
Experience level: Mid, Senior
Core skills considered: Data Analysis, Stakeholder Management, Communication software
Other skills considered: Regulated business exp, Customer profiling, Process management

Logistics

Base salary: Undisclosed
Some companies on cord are unable to disclose salaries publicly due to internal company policies. Message the company for salary information.
Employment type: Permanent
Remote working: Hybrid
Visa sponsorship: Not available

Job Description

UK Credit has functional responsibility for credit operations in the UK, ensuring that the Bank's credit policy, process and culture is fully implemented in the branch network. UK Credit Management has functional responsibility for credit portfolio management, credit management information, portfolio oversight, including the management of the Bank's Collections and Recoveries activities and management. The key stakeholders for UK Credit Management are UK Credit teams, the UK Board, Board & Risk Committee, Districts, Branches, Chief Branch Officer, external and internal auditors, UK Credit Risk Control, Products, Compliance and external regulators. The UK Operational High Risk Analyst is based in London or Manchester, but flexible working arrangements can be discussed based on individual circumstances.


Key responsibilities

  • Act as subject matter experts (SMEs) that provide support and oversight for the management of high risks owned by the branch network.
  • Hold functional responsibility for the implementation and embedding of adequate credit instructions, processes and controls in order to ensure adequate high risk management and oversight.
  • Working alongside Branches and Local Credit Teams to develop a detailed understanding of high risk cases and work with the wider credit team to analyse and present information relating to the high risk credit portfolio.
  • Identify emerging and thematic risks at local and aggregated portfolios.
  • Provide support to regulatory horizon scanning and keep up to date with regulatory requirements on high risk/collections and recoveries aspects.
  • Provide branches with support and challenge of customer watchlist strategies, action plans and forbearance solutions.
  • Review and challenge Stage 3 Impairment tests and Stage 3 provision adequacy at customer level including scenario design and forward looking analysis.
  • Undertake Unlikeliness to Pay, Impairment Testing and Default oversight. Including assessing the adequacy of controls on a customer and portfolio level.
  • Oversee the appropriate implementation of forbearance and collections instructions, including management of complex, high risk cases.
  • Provide training and guidance to branches in the management of high risk customers, including recognition of high risk trends and adherence to instructions to achieve good customer outcomes.
  • Support the development and reporting of data derived from Watchlist portal in order to undertake analysis for both ad-hoc and regular management reporting at customer, branch, district, and aggregated portfolio levels.
  • Provide district and area level assurance that the risks are being effectively managed, with appropriate evidence of control testing and oversight for high risk customers.
  • Serve as a conduit between Local Credit Teams and the business, communicating data-driven insights to non-technical audiences.
  • Present on a regular basis to the UK Credit Oversight and District Credit Committees.
  • Championing the value of strong risk management and supporting the local credit departments and other members of credit in understanding how to manage risks, including working with Watchlist credit MI that is provided to them;
  • Support projects across the business by bringing expertise to discussions around high risk customer management. Ensure risks are managed effectively and efficiently, highlighting and delivering improvements where necessary to support both business operations and strategy, through the development and use of suitable MI.
  • Operate in line with the Bank's Credit Risk Management framework, Credit Policy, Credit Instructions and all other relevant risk and compliance policies/procedures to ensure appropriate and timely escalation of any concerns.

What we're looking for

  • Excellent understanding of regulatory and best practice expectations within Credit Risk in the UK;
  • Be able to demonstrate strong communication skills, both written and verbal;
  • Be comfortable challenging and influencing stakeholders;
  • Be approachable and proactive in the engagement with the business;
  • Be able to balance the risk and reward and being prepared to make a decision.

Company Benefits

  • Holiday Entitlement
  • Pension (15% non contributory)
  • Enhanced Family Leave (Up to 52 weeks maternity and 26 weeks paternity leave)
  • Life Assurance
  • Group Income Protection (GIP)
  • Private Healthcare
  • Health Screening
  • Employee Assistance Programme (“EAP”)
  • Travel Loan
  • Cycle to Work Scheme
  • Eye Tests
  • Discounted Staff Account Rates
  • Gym Subsidy
  • Give As You Earn (GAYE)
Operational High Risk Analyst at Handelsbanken
Position posted 5 days ago

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Starling Bank on cord

Starling Bank

Full Stack Engineer (ML Ops)

London, UK
FinTech · Banking · Finance
A better bank for everyone
Active
over 6 months ago
Responds to
0% of requests
Responds in
1h 55m
Requests
7 pending

Skills & Experience

Job roles: Full Stack
Experience level: Mid, Senior
Core skills considered: Java, React, Redux, AWS, JavaScript

Logistics

Base salary: £70K - £110K
Employment type: Permanent
Remote working: Hybrid (up to 2 remote days p/w)
Visa sponsorship: Not available

Job Description

Starling is the UK’s first and leading digital bank on a mission to fix banking! Our vision is fast technology, fair service, and honest values. All at the tap of a phone, all the time.

Starling is the UK’s first and leading digital bank on a mission to fix banking! We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way.

We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,000 people across our London, Southampton, Cardiff and Manchester offices.

Our technologists are at the very heart of Starling and enjoy working in a fast-paced environment that is all about building things, creating new stuff, and disruptive technology that keeps us on the cutting edge of fintech. We operate a flat structure to empower you to make decisions regardless of what your primary responsibilities may be, innovation and collaboration will be at the core of everything you do. Help is never far away in our open culture, you will find support in your team and from across the business, we are in this together!

The way to thrive and shine within Starling is to be a self-driven individual and be able to take full ownership of everything around you: From building things, designing, discovering, to sharing knowledge with your colleagues and making sure all processes are efficient and productive to deliver the best possible results for our customers. Our purpose is underpinned by five Starling values: Listen, Keep It Simple, Do The Right Thing, Own It, and Aim For Greatness.

Hybrid Working

We have a Hybrid approach to working here at Starling - our preference is that you're located within a commutable distance of one of our offices so that we're able to interact and collaborate in person. We don't like to mandate how much you visit the office and work from home, that's to be agreed upon between you and your manager.

Our Data Environment

Our Data teams are excited about the value of data within the business, powers our product decisions to improve things for our customers and enhance effective and agile decision making, regardless of what their primary tech stack may be. Hear from the team in our latest blogs or our case studies with Women in Tech.

We are looking for talented data professionals at all levels to join the team. We value people being engaged and caring about customers, caring about the code they write and the contribution they make to Starling. People with a broad ability to apply themselves to a multitude of problems and challenges, who can work across teams do great things here at Starling, to continue changing banking for good.

Requirements

We have built our entire banking platform in house and mostly in Java. We are looking for people who want to work on building the tooling that is used by our engineers on a daily basis.

We are looking for people who are truly full stack, and are as comfortable polishing their javascript front end as they are debugging the innards of their java applications database interactions, or standing up infrastructure with terraform. We are looking for people who can:

  • Design REST apis.
  • Code backend services, ideally using Java, or another other server side compiled language.
  • Develop modern front ends, ideally using React and Redux.
  • Get their code into the cloud and support it there, ideally on AWS.
  • Believe in clean coding, simple solutions, automated testing and continuous deployment.
  • Like to take ownership of a feature from the original idea through to live.
  • Think (like us) that a small number of empowered developers is the right way to deliver software.

Company Benefits

  • 33 days holiday (including flexible bank holidays)
  • An extra day’s holiday for your birthday
  • 16 hours paid volunteering time a year
  • Part-time and/or flexible hours available for most roles
  • Salary sacrifice, company enhanced pension scheme
  • Life insurance at 4x your salary
  • Hybrid/remote working
  • Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
  • Generous family-friendly policies
  • Varied social groups set up and run by our employees
  • Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
  • Access to initiatives like Cycle to Work, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasing

Full details are available on our careers site

Interview Process

Interviewing is a two way process and we want you to have the time and opportunity to get to know us, as much as we are getting to know you! Our interviews are conversational and we want to get the best from you, so come with questions and be curious. In general you can expect the below, following a chat with one of our Talent Team:

  • Stage 1 - 30 mins with one of the team
  • Stage 2 - Take home challenge
  • Stage 3 - 90 mins technical interview with two team members
  • Stage 3 - 45 min final with an executive and a member of the people team
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