Head of Consumer Risk

Homes England ,
Coventry, West Midlands
More Details
Salary: £66,635 - £87,138

Overview

This is an overview of the role: You will be responsible for leading and developing a small team working with key stakeholders within Homes England, the Ministry of Housing, Communities and Local Government and HM Treasury to provide governance, risk and assurance advice and support in relation to consumer risk. You will have a key role to play in building knowledge, skills, capacity and a risk culture around consumer risk and the high-profile products within the portfolio in Homes England and across Government. The successful person will be responsible for: • Work with the Housing Programme team to establish first and second line of defence roles and responsibilities. • Develop and implement an assurance framework for monitoring the mortgage administrator(s) and other third-party agents. • Lead the identification and management of risk concentrations and adverse trends including bad and doubtful debt, recommending action and policy development where appropriate. • Periodically review legal documentation and at a holistic level (not on a deal by deal basis) input into any revision and changes thereof working with both internal and external lawyers. • To use expertise to develop processes and procedures and support colleagues across the organisation by adopting and championing consumer risk best practice. In order to complete the responsibilities for this role, the successful candidate will have: • Significant experience in consumer credit risk management gained in a retail banking environment with a focus on secured mortgage lending. As well as an understanding of wider consumer risk management considerations in relation to policy, strategy development and operational risk management. • Have excellent written and verbal communication skills and an ability to think quickly and package ideas and results in a logical, understandable and compelling way to both technical and non-technical audiences. You will also be detailed-oriented, high level of intellectual curiosity and strong sense of ownership. • Demonstrated ability to multi-task effectively and work against tight deadlines, as well as excellent analytical skills and a developed understanding of forecasting techniques in terms of risk profile, consumer demand and potential impacts of economic change • Ambition - Initiate and deliver projects to enhance the identification and mitigation of emerging risks within the home equity loan portfolio whilst balancing aims of the home equity loan programme objectives. • Collaborative values - Maintain and develop the profile of the Risk Function by building relationships with key business stakeholders and ensuring that Risk is a standard agenda item within the first and second line governance framework. Homes England We are the Government’s national housing agency. Our role is to accelerate the pace of house-building across the country, particularly in areas where there are the most serious affordability issues – meaning people are struggling to find homes. We have the appetite, influence, expertise and resources to drive positive market change and meet the Government’s ambition to deliver 300,000 new homes a year. We are using our land, influence, funds and knowledge to increase the pace, scale and quality of new homes accelerating delivery in areas of greatest demand and helping create great places to live. Within the next few years, we will have invested over £27 billion across our programmes. To deliver against these aims we’re building a different kind of public service - join us to help make this happen. Homes England Telephone number: 0300 1234 500

People also viewed