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  • Loan Portfolio Manager London
  • Spey in London, , United Kingdom
  • jobs
  • 2 days ago

jobs description

Opportunity

A well-funded fintech start-up is looking to recruit an ambitious loan portfolio professional to join a dynamic team that is embarking on a ground-breaking platform in a hitherto underserved segment of the lending market.

Job Summary

As a Loan Portfolio Manager, you will oversee the relationship with our Lender of Record, who deploys a credit decisioning platform that uses AI and open banking transaction data to build fair and accurate alternative assessments to improve on conventional credit scores technologies. You will be responsible for managing loan portfolios, monitoring the implementation of credit policies, and ensuring compliance with regulatory requirements. Your role will involve developing and implementing strategies to optimize loan processes, mitigate risks, and maximize profitability while delivering optimal customer service. We operate hybrid working and our office is in Central London.

Responsibilities

Loan Portfolio Management
• Monitor and manage... the company's loan portfolio, including tracking performance metrics, identifying trends, and implementing strategies to optimize portfolio quality.
• Conduct ongoing risk assessments and adjust lending strategies accordingly to maintain a healthy loan portfolio.

Credit Analysis and Underwriting
• Assess loan applications, monitor creditworthiness, and make informed decisions on loan approvals or denials.
• Utilize data analytics models to streamline the underwriting process and improve decision-making accuracy.
• Ensure compliance with company policies, industry regulations, and risk management standards during the underwriting process.

Customer Relationship Management
• Provide exceptional customer service by addressing enquiries, resolving issues, and guiding borrowers through the loan application process.
• Build and maintain positive relationships with borrowers to foster loyalty and promote repeat business.

Compliance and Regulatory Oversight
• Stay abreast of relevant regulatory requirements, industry trends, and best practices in lending operations.
• Ensure compliance with FCA regulations governing lending activities, including anti-money laundering (AML) and know your customer (KYC) regulations.

Process Improvement and Innovation
• Identify opportunities to streamline loan processes, enhance efficiency, and reduce operational costs.
• Collaborate with cross-functional teams to implement technological solutions and automation tools to improve the loan origination and servicing process.

Risk Management
• Develop and implement risk mitigation strategies to minimize credit, operational, and compliance risks associated with lending activities.
• Monitor key risk indicators and take proactive measures to address emerging risks and vulnerabilities.

Qualifications
• Bachelor's degree in finance, business administration, or a related field. A Master's degree or professional certifications (e.g., CFA, CPA) is a plus.
• Proven experience in lending operations, credit analysis, or risk management, preferably within the fintech or financial services industry.
• Strong understanding of lending principles, credit risk assessment methodologies, and regulatory requirements.
• Proficiency in data analysis tools and software platforms used for credit scoring, portfolio management, and risk assessment.
• Excellent communication skills, with the ability to interact effectively with internal stakeholders, external partners, and customers.
• Analytical mindset, with the ability to interpret complex financial data, identify trends, and make data-driven decisions.
• Detail-oriented approach and strong problem-solving skills to address challenges and drive continuous improvement.
• Ability to thrive in a fast-paced, dynamic environment and adapt to changing business needs and priorities.

Applying

To apply please submit your CV and a cover letter that explains your interest in working at Spey, and if you have not worked in fintech before then please explain your interest in doing so. Applicants must have the right to work in the UK so please also confirm this in your cover letter. Applications without a cover letter will not be considered
London UK

salary-criteria

Apply - Loan Portfolio Manager London