Business Unit: Risk Salary range: up to circa £55,000 per annum DOE + red-hot benefits! Location:  UK Remote, with some expectation to travel to a HUB on an ad-hoc basis. Contract type: Permanent Live for the weekday. Live a life more Virgin. Our Team The team provides impactful oversight and assurance ofour lending decisions across all our portfolios, ensuring credit underwriting standards, automated strategies as well as collections processes along with wider credit processes are robust and fit for purpose, keeping the bank and the customer safe. Through independent investigation, the team provideassurance, support and recommendations into all aspects of the credit lifecycle, ensuring safe and profitable lending growth. What you’ll be doing Working collaboratively with the wider Credit Risk team, Portfolio owners, Commercial and Operational colleagues to identify improvements in the waywe do things, improve efficiency and provide additional insight to the business Providing independent assurance on the design, development and implementation of Credit Risk strategies, policies and processes. Supporting the Credit Risk Managers in the delivery of meaningful insight, making recommendations to Senior Management, representing the team at relevant meetings and committees Demonstrate we are operating within Risk Appetite Statement and looking at different areas to demonstrate adherence to our overall Risk Management Framework. Developing and maintaining relationships across arange of stakeholders at an operational and senior level to ensure that best practice is shared Working in a timely manner to constructively shape outcomes and service business needs Demonstrate maintenance of our internal Governance frameworks, policies and Regulatory guidelines and ensure this framework is embedded in the business to ensure sound risk practices are adopted Challenge existing processes, seeking continuous improvement by reducing complexity and increasing efficiency. We need you to have Strong analytical experience and a proficient SAS (statistical analysis software) user. Must also be an adept user of the MS Office suite Extensive experience in Credit Risk Management with knowledge of the UK lending markets A demonstratable ability to relay information, both written and verbally, to differing levels of seniority, in a clear, concise, and confident manner Confidence to critique and challenge the current policy, strategy and processes Capability to operate effectively with senior leaders, and represent VM with external stakeholders and stand up to robust challenge Proven experience in challenging other teams work through meetings and discussion forums, using strong influencing skills and Credit Risk knowledge Extensive experience in influencing change in a positive and collaborative manner, turning ideas into practical solutions. It’s a bonus if you have but not essential Understanding of the Legal and Regulatory framework and agenda Strong understanding of the operations of a Risk function Understanding of Credit Models and Scorecards Red Hot Rewards Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time)​ plus the option to buy more. Up to five extra paid well-being days per year​.  20weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.  Market-leading pension. Free private medical cover, income protection and life assurance. Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.  And there's no waiting around, you'll enjoy these benefits from day one. Feeling insatiably curious about this role? If we’re lucky to receive a lot of interest, we may close the advert early and would hate you to miss out. We're all about helping you Live a Life More Virgin, so happy to talk flexible working with you. Say hello to Virgin Money We’re making great strides towards achieving our ambition of becoming the UK’s best digital bank.  As a full-service digital bank with a heritage stretching back over 180 years, we’re a workforce to be reckoned with, and we're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We're customer-obsessed and work tirelessly to deliver on our purpose, ‘Making You Happier About Money.’ This means we're able to do banking differently, and by innovating and working together we can make a real difference by creating memorable moments and red-hot experiences for our millions of customers. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work.  Be yourself at Virgin Money Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities.  We’re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.   As a Disability Confident Leader, we're committed to removing any obstacles to inclusion.  If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team Now the legal bit Living A Life More Virgin allows our colleagues to be based anywhere in the UK (if therole allows it), but we'll need you to confirm you have the right to work in the UK. If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks – we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.