Business Unit: Credit Risk Salary range: £56,000 - £70,000 DOE + red-hot benefits Location:  UK Flexible – with quarterly visits to HUBs for collaboration days (Glasgow, Gosforth). Contract type: circa up to 12-month fixed term. Live for the weekday. Live a life more Virgin. Our Team  The team provides oversight of personal credit decisions, ensuring credit underwriting standards along with wider credit processes are robust. Through oversight and independent investigation, the team provide assurance, support and recommendations into the underwriting standards and framework, ensuring safe, profitable unsecured lending growth. What you’ll be doing   Managing a team of Unsecured lending assurance specialists Oversight of unsecured Underwriting, Collections, policies, automated strategies and risk-based pricing Expert judgement and support to enhance standards across the credit lifecycle Identifying both opportunities and weaknesses in automated credit decisions Oversight of wider credit process embedded within the store network and contact centre Identification and escalation of issues within the credit process, ensuring relevant actions are raised and monitored Management and development of control processes within the Credit process ensuring risks are being adequately mitigated  Managing a team of people to develop and enhance data driven analytical insight into the unsecured portfolios delivering enhanced credit risk management and improving customer outcomes. We need you to have  Excellent knowledge of Unsecured lending products and the wider market Previous experience of successfully leading or oversight of both manual and automated decisions across the credit lifecycle Demonstrable experience with using analytical tools e.g. SAS Experienced in developing and interpreting data to produce analytics with a tenacity to look beyond headline information to identify inconsistent trends Skilled in building trusted relationships with a wide range of stakeholders at all levels Proficient in communicating challenging messages High motivation and theability to inspire and develop colleagues. It’s a bonus if you have but not essential  Experience in contributing to strategic direction and priorities An understanding of developing a Risk and Control framework 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​  20 weeks 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  Ability to work anywhere in the UK​ (where the role allows)  And there's no waiting around, you'll enjoy these benefits from day one. Feeling insatiably curious about this role? Apply as soon as you can. 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.  We're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We strive to create positive experiences for our millions of customers and our purpose, ‘Making You Happier About Money’, underpins everything we do. We believe in doing banking differently, innovating and working together to make a real difference. 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 the role 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 regulatoryreferences, and once in the role, you'll be subject to periodic employment checks.