Loan Portfolio Manager
Spey
- London
- Permanent
- Full-time
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.