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Risk Manager - Consumer Finance

Mise à jour le 15.05.2025

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 own the day-to-day management of the credit risk strategies and associated controls for Consumer Finance, ensuring lending aligns with business standards and fair customer outcomes. You will review and enhance credit risk controls and strategies, including monitoring performance against key risk indicators. You will own and manage an ongoing programme of analysis to support agreed business requirements for acquisition & customer management credit risk - setting and reviewing score cut-offs and risk-based pricing, new loan strategies, life-time loss and predicted bad rate modelling and affordability assessments.

Key Responsibilities: 

  • Manage 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 without compromising credit quality, 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.
  • Manage the day-to-day relationship with Credit Reference Agencies.
  •  Share knowledge of credit risk management across internal teams, contribute to cross-functional projects and deputise for 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 analytical and communication skills.
  • High level of accuracy and attention to detail.
  • Able to take initiative and ownership of work.
  • Experience working with SAS, Excel & SQL.
  • Stakeholder management.
  • Very good knowledge of credit bureau data.

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.

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Découvrez les métiers de BNP Paribas : Gestion des opérations

Maillons indispensables au bon fonctionnement de notre Groupe, les métiers de Gestion des opérations visent à garantir la satisfaction de nos clientèles et de nos équipes au quotidien. Une activité stimulante, qui fait rimer efficacité et esprit d’équipe.

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Pourquoi je candidaterais ?

Pour quelles raisons je rejoindrais BNP Paribas et pas une autre entreprise ?

Parce que je souhaite...

  • Et si on vous disait que travailler dans notre Groupe, ce n’est pas ce que vous croyez ? Chez BNP Paribas, on exerce une multitude de métiers qui évoluent en permanence pour être en phase avec les attentes des clientes et clients comme de la société. Au travers d’actions du quotidien ou de grands projets, exercer l’un de nos métiers, c’est s’engager pour agir durablement.

  • Se sentir bien dans son job, c’est avant tout venir travailler comme on est.  C’est aussi avoir les moyens d’un bon équilibre entre sa vie professionnelle et sa vie personnelle. Deux engagements majeurs pour BNP Paribas.

  • Chez BNP Paribas, le développement de vos compétences est essentiel, pour vous comme pour nous. Et cela vous servira pour toute votre vie professionnelle.

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