Credit Oversight Lead Job at Admiral Group Plc (Cardiff)

Senior Engineering Lead - Credit Risk - Senior Vice President

This is a Senior Lead Principal Engineer position responsible for establishing a...

Location

India , Chennai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Full-stack developer with 10+ years of experience in designing and developing robust, scalable, and maintainable applications applying Object Oriented Design principles
Hands-on experience in Web technologies (HTML, CSS, React JS), REST-APIs, and Backend using Java/J2EE technologies
Deep experience with Big Data technologies and data platforms capable of handling vast datasets for training, serving, and managing AI models
Strong knowledge of cloud platforms (AWS, Azure, or Google Cloud) and deployment/packaging solutions such as Dockers/Kubernetes, OpenShift
Experience with Agile software development processes with a strong emphasis on test driven development
Strong knowledge of CI/CD pipelines and experience in tools such as JIRA, BlackDuck, SONAR etc
Deep understanding of JVM internals such as class loading and memory management
Java Core with extensive hands-on experience with concurrent programming
Spring Framework including Core, Integration, Batch, JDBC, Hibernate
Distributed Caching frameworks such as Oracle Coherence, Redis or equivalent

Job Responsibility

Provide technical leadership and development oversight to the wider team of Software Engineers/Analysts
Ensure application design adheres to the appropriate architectural and design patterns for scalable and intelligent systems
Develop key software components personally, and use your code as a teaching tool across the team for patterns and techniques, especially concerning Agentic AI design and implementation
Host sessions for design and code review at multiple levels of the organization
Improve our engineering standards and process to make the team more capable and efficient, embracing AI-assisted development practices, including the use of tools like Git Copilot and Devin AI
Collaborate effectively with a large global team of software engineers, business analysts, dev-ops and support staff to deliver software solutions for the business
Lead the adoption of new technologies where appropriate to solve business problems while adhering to Citi's architectural guidelines, with a strong focus on Agentic AI and Machine Learning frameworks
Serve as advisor or coach to mid-level/junior developers and analysts, helping build the overall engineering capabilities of the team, particularly in AI/ML and intelligent systems development
Appropriately assess risk when decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency

Fulltime

Lead Credit Risk Analyst

Admiral Money is seeking a Lead Credit Risk Analyst to play a key role in managi...

Location

United Kingdom , Cardiff

Salary:

Not provided

Admiral Group Plc

Expiration Date

Until further notice

Requirements

Minimum 3 years’ experience in a credit risk or credit strategy role within consumer lending
Experience managing or optimising credit policy within a regulated environment
Strong understanding of underwriting strategy, portfolio monitoring and risk controls
Hands‑on analytical capability with SQL and/or Python and Excel
Proven ability to interpret data and translate insights into commercially sound recommendations
Experience writing board/committee papers and presenting to senior stakeholders
Strong communication and influencing skills across all organisational levels
High attention to detail with an analytical and problem‑solving mindset
Self‑motivated, organised and adaptable in a fast‑paced environment
Motor finance experience

Job Responsibility

Leads the end‑to‑end credit policy and underwriting strategy for Motor Finance, optimising lending criteria, scorecards, and asset risk parameters. Ensures decisioning strategies balance growth, automation, and risk appetite while staying aligned with regulatory requirements. Continuously identifies opportunities to enhance processes, credit controls, and the use of new data sources and tools
Owns and improves the referral and application funnel strategy, driving higher automation without compromising risk oversight. Enhances customer and dealer journeys by leveraging data effectively and balancing manual underwriting, fraud controls, and automation to deliver strong customer outcomes
Monitors key portfolio performance metrics (approvals, arrears, defaults, recoveries, profitability) to identify risks and opportunities. Conducts segmentation and trend analysis, ensuring the portfolio remains within risk appetite and funding thresholds. Provides clear, timely insights and reporting to senior stakeholders and governance forums
Uses SQL/Python to extract, analyse, and interpret data to inform and improve credit strategies. Produces high‑quality MI, strategy papers, and committee updates, partnering closely with Data and BI teams to refine reporting and deliver actionable insight
Represents Credit Strategy in business forums, acting as SME for key projects including new products, systems, and channel enhancements. Supports the implementation of new data integrations and decisioning capabilities. Provides leadership and guidance within the team, effectively prioritises workloads, and fosters a culture of continuous improvement

What we offer

33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays)
Option to buy or sell up to an additional five days of annual leave
Eligible for up to £3,600 of free shares each year after one year of service
Financial & Mortgage Advice
24-Hour Ecare
Cycle to Work Scheme
Flexible Working
Simply Health
Private Health Cover
Critical Illness Cover

Fulltime

Global Credit Reserves Lead Analyst

We are looking for an experienced Portfolio Credit Risk Manager to join our team...

Location

Poland , Warsaw

Salary:

223400.00 - 380400.00 PLN / Year

Citi

Expiration Date

Until further notice

Requirements

6-10 years of experience in credit risk management, portfolio analysis, or a similar oversight role
Demonstrable expertise in credit analysis, counterparty risk, and credit reserving methodologies (e.g., CECL)
Proven ability to provide robust oversight, review, and effective challenge to risk management processes and reports
Strong competence in interpreting complex financial data and making informed decisions
Experience with risk management tools and exposure monitoring processes
Excellent communication skills with the ability to present complex financial concepts to diverse stakeholders
Bachelor's degree in Finance, Economics, Statistics, or a related field
a Master's degree is preferred

Job Responsibility

Develop and implement advanced analytics and reporting for credit reserving (CECL), factoring in industry trends and regulatory standards
Provide effective Second Line of Defense (2LOD) oversight by reviewing and challenging the portfolio management processes and outcomes of the First Line of Defense (1LOD)
Direct regular portfolio analysis, providing key updates on performance, market trends, and risk factors to senior stakeholders
Coordinate governance discussions and oversee activities to ensure compliance with regulatory rules and internal policies
Manage the end-to-end framework for the adequacy of credit reserves and stress testing to ensure the sound management of the credit portfolio
Assess risk when business decisions are made, using your analytical skills to evaluate potential impacts and protect the firm's reputation
Conduct rigorous reviews of internal processes and controls, managing any resulting internal audits or regulatory examinations
Collaborate effectively with various teams, including Risk Management, Technology, and Reporting, to execute projects and communicate complex financial concepts

What we offer

Employer paid Defined Contribution Pension Plan contribution of 6% of employee’s pensionable earnings (PPE Program)
Employer paid Private Medical Care Package for employees and Private Medical Care Packages for certain family members available at preferential rates
Employer paid Life Insurance Program for employees and Life Insurance for certain family members available at preferential rates
Employee Assistance Program financed by Employer Paid Parental Leave Program (maternity and paternity leave
statutory and 2 weeks additional paid paternity leave
Sport Card for employees subsidized via Social Benefits Fund and Sport Cards for certain family members available at preferential rates
Additional benefits from Company’s Social Benefit Fund, in particular: Holidays Allowance, support for sport and cultural activities, team building events
Additional day off for volunteering
Cafeteria/ flex benefit – a company benefits system which enables employees to select and purchase benefits offered by a provider and available for employees on the platform
Opportunity to receive an annual discretionary incentive award

Fulltime

Wealth Credit Risk Lead Analyst - VP

Are you looking for a career move that will put you at the heart of a global fin...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Solid Wholesale Credit Risk (corporate), including due diligence, structuring and documentation skills experience along with capital markets knowledge
Proven experience in overseeing, challenging, and reviewing credit portfolio management
Demonstrable understanding of credit analysis and counterparty risk with the ability to provide robust oversight and review
Solid experience in the review, challenge and oversight of loanable value methodology and portfolio stress testing
Ability to oversee, evaluate and challenge risk management tools and exposure monitoring processes
Proficient in accuracy and completeness of credit data with the capability to oversee, challenge and review data sets
Experience in overseeing, challenging, and reviewing risk management processes and portfolio risk reports
Comprehensive understanding of risk measurements with a proven oversight, challenge and review skill set
Competence in interpreting and analysing complex financial data and making informed decisions
Understanding of credit analysis, counterparty risk, and portfolio stress testing

Job Responsibility

Oversee credit portfolio limits and stress testing, ensuring a balance between risk and reward and maintaining the company's risk appetite
Develop advanced methodologies for limit setting within the credit portfolio, factoring in industry trends, regulatory standards, and internal risk appetite
Manage comprehensive risk profiles, coordinating with regulatory bodies, conducting regular portfolio health checks and anticipatory identification of top risk factors
Direct regular portfolio analysis, providing updates on portfolio performance, market trends, and risk factors for ongoing risk assessment and mitigation
Lead governance discussions, interpreting limit governance rules and overseeing activities related to single name and distribution risk to ensure regulatory compliance
Represent and coordinate the second line of defence in terms of risk appetite engagement, effectively communicating and managing risk statements and assessments
Supervise the end-to-end framework for the adequacy of credit reserve and stress testing, ensuring proper management of the credit portfolio
Examine, challenge, and validate new account strategies and account management development for robust checks, minimizing potential risk exposure
Conduct rigorous internal and oversight reviews, probing into internal processes and controls, and managing any ensuing internal audits or regulatory examinations
Assess risk when making business decisions, using advanced analytical skills to evaluate potential risks and protect the firm's reputation

What we offer

Generous holiday allowance starting at 27 days plus bank holidays
increasing with tenure
A discretional annual performance related bonus
Private medical insurance packages to suit your personal circumstances
Employee Assistance Program
Pension Plan
Paid Parental Leave
Special discounts for employees, family, and friends
Access to an array of learning and development resources

Fulltime

Senior Vice President - Global Credit Reserve Sr. Lead Analyst - Risk Management

The Global Credit Reserve Team oversees the firmwide credit reserving approaches...

Location

Canada , Mississauga

Salary:

141600.00 - 212400.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

10+ years of experience
Solid knowledge and hands-on experience in risk management, especially with credit portfolios, exhibiting abilities in scrutinizing, probing, and supervising first line of defense risk management
Acumen in questioning, examining, and validating new account strategies, account management strategies, and non-scoring financial models
Familiarity with compliance protocols with a demonstrated ability to direct, assess and dispute compliance adherence
Experience in directing internal and external audits, with a strong understanding of oversight reviews, demonstrating competence in questioning and appraising audit processes
Ability to collaborate with multiple teams and departments with a focus on managing, inspecting and disputing collaborative endeavors
Comprehensive knowledge and experience in risk assessment, particularly when making business decisions demonstrating, strength in contesting, scrutinizing, and ensuring decisions maintain the firm's reputation
Proficiency in ensuring compliance with legal and regulatory requirements, demonstrating ability to dispute, assess, and supervise compliance processes
Advanced expertise in scrutinizing and evaluating complex financial data, with the capacity to make strategic decisions under review
Proficiency in credit analysis, counterparty risk, and portfolio stress testing, including the ability to predict and plan for potential market fluctuations whilst challenging these predictions

Job Responsibility

Supervise and scrutinize risk management activities related to the credit portfolio, including risk assessment, mitigation, monitoring, and reporting to ensure optimal performance
Oversee the end-to-end framework for credit reserve adequacy, carefully assessing and mitigating potential risks
Review new and enhanced modelling techniques applied for credit reserving
Conduct rigorous internal and oversight reviews, probing and investigating internal processes and controls, managing any internal audits or regulatory exams to uphold institutional integrity
Assess and analyze risk during decision making processes, using sound judgement to safeguard the firm's reputation and financial stability
Ensure firm policies are upheld, promote ethical conduct, and rigorously examine activities and processes to ensure compliance with relevant legal and regulatory requirements
Stay informed about industry trends, leverage strong communication skills to clearly relay information to various stakeholders and make complex business decisions
Monitor and adapt current practices according to the latest trends in credit risk analysis, leveraging expertise for improved forecasting and allowance calculations
Manage governance discussions to ensure reserve adequacy
Is an enthusiastic and early adopter of change

Fulltime

Counterparty Credit Risk Sr Lead Analyst

Counterparty Credit Risk Portfolio Manager role is a senior risk manager role in...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

12+ years of experience in a large Financial Institution in Counterparty Credit Risk
Strong understanding of Counterparty Credit Risk including Exposure and Margin frameworks/models, Stress testing, Wrong-Way Risk
Knowledge of Markets businesses and products across OTC, Prime Brokerage, Clearing and Security Financing /Repo
Strong technical expertise of complex derivative structures and understanding of associated first order/second order risks
Knowledge of Credit documentation and various Credit master agreements, legal terms related to netting/collateral/margin mechanics will be a plus
Broad understanding of current market and regulatory environment as applicable to Counterparty Credit Risk
Excellent organizational and communication skills (written and verbal)
Superior analytical and quantitative skills and be able to quickly distil transactions/business propositions to key risks
Ability to work collaboratively with a wide group of cross-functional stakeholders across levels
Demonstrated ability to lead meetings/calls, to listen to other points of view, provide appropriate challenge, influence partners

Job Responsibility

Help implement and operate the 2nd Line Counterparty Credit Risk and controls framework for Citi
Direct the execution strategy for Pre-Settlement Exposure (PSE), Net Stress Exposure (NSE) and various CCR measurements standards across Citi APAC businesses
Ensure CCR frameworks, practices and policies applied to all market products
Actively monitor CCR portfolio across business, risk stripes and legal vehicles
Focus on early warning and proactive problem recognition based on markets indicators and portfolio concentrations
Help 2nd line of defense Credit officers in pre-trade review, challenge, and what-if analysis for new complex derivatives activity
Support CCR risk management governance by preparing and presenting updates on various CCR pillars
Support regulatory interactions on the CCR and manage increasing demands of regulatory oversight on CCR
Appropriately assess risk when business decisions are made

What we offer

Programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more
Programs to help manage your financial well-being and help plan for the future
Access to an array of learning and development resources
Programs that help employees balance their work and life, including generous paid time off packages

Fulltime

Credit and Compliance Lead

We are seeking a Credit and Compliance Lead to oversee credit evaluation, compli...

Location

Hungary , Budapest

Salary:

Not provided

Vodafone

Expiration Date

Until further notice

Requirements

An analytical individual with strong problem‑solving capabilities and the ability to work both independently and collaboratively
An effective communicator with excellent interpersonal skills and a strong focus on accuracy and attention to detail
Experienced in credit compliance, credit risk analysis, or a related field, ideally within telecommunications
Knowledgeable in credit regulations, financial analysis, and risk management principles
Familiar with compliance frameworks covering sanctions, AML, anti‑bribery and other regulatory standards
Hold a bachelor’s degree in Finance, Business Administration, Law or a related discipline
Proficient with financial and compliance software tools, with experience delivering training on compliance topics

Job Responsibility

Manage due‑diligence activities for Voice and Roaming partner onboarding, ensuring timely and accurate assessment of credit applications
Maintain comprehensive documentation aligned with internal policies and external regulatory requirements
Conduct end‑to‑end credit risk assessments for new and existing partners and continuously monitor exposure levels
Support Voice settlements teams in managing overdue balances and implementing corrective measures
Perform compliance risk assessments across sanctions, AML, anti‑bribery, MTIC fraud, and financial compliance areas
Serve as the primary point of contact for sanctions compliance within Voice services and deliver training to relevant teams
Manage and escalate compliance referrals, ensuring appropriate handling in collaboration with Legal and Regulatory functions
Maintain up‑to‑date records, reporting and oversight to ensure transparency and regulatory readiness

What we offer

Opportunity to influence credit and compliance governance across high‑impact international Voice and Roaming operations
Exposure to cross‑functional collaboration with Legal, Finance, Commercial and Regulatory teams
Ability to contribute directly to risk reduction, operational integrity and regulatory trust
A role that supports continuous learning through engagement with evolving compliance frameworks and industry standards

Assistant Vice President – Third Party Risk Oversight specialist - TPRO - Consumer Credit Risk

The AVP – Third party risk oversight role is responsible for owning and enhancin...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

8+ years of experience in Risk management, third-party risk, vendor risk/management or credit risk with a large financial institution
US banking regulatory expectations
Prior experience operating with consumer credit risk or closely related risk domains
Extensive background in managing critical suppliers and regulated third-party relationships
Experience active as a risk/process oversight owner or leading risk platforms, frameworks, or governance models
Bachelor’s degree in related fields
Working knowledge of Vendor relationship management / Vendor risk management/ TPRO
Growth mindset with ability to balance risk, compliance and business enablement
Excellent stakeholder management and executive communication skills
Ability to challenge vendors and internal partners constructively

Job Responsibility

Product ownership and strategy: Own the end-to-end product vision for third-party risk oversight tools, processes, and controls within consumer credit risk
Own the TPRO vision, roadmap, and backlog, ensuring alignment with Citi risk policies and enterprise standards
Translate regulatory guidance, Citi policies, and risk requirements into User stories, controls, and functional requirements into scalable risk oversight solutions
Prioritize initiatives based on risk severity, regulatory commitments and business impact
Third-party Risk oversight: Oversee risk assessment lifecycle for third-party vendors, including: Inherent risk assessments, Due diligence (financial, operations, cyber, data privacy, model risk), Ongoing monitoring and periodic reviews
Ensure critical and high- risk vendors undergo enhanced oversight and governance
Maintain a risk-tiered vendor inventory aligned with consumer credit risk exposure
Supplier and contract management: Ensure supplier contracts meet regulatory, risk and control standard, including: SLAs, KPI, audit and access rights, data protection, information security, confidentiality, BCP/DR (business continuity planning/ Disaster recover), subcontractor and fourth-party controls
Track contract milestones, renewals, terminations and renegotiations
Proactively identify contracts nearing expirations and drive timely renewals or exit strategies

Fulltime

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