This role that you are applying for, will be working for KINTO-UK Ltd which is a Mobility Brand owned by the Toyota Group, offices located in Portsmouth. KINTO-UK share their HR function with Toyota Financial Services (TFS) in the UK, however the job being advertised will not be working directly for Toyota Financial Services

The role in a nutshell: The Credit Risk Manager will lead efforts to reduce delinquency rates, strengthen credit risk management, and build sustainable systems and processes. This role requires building a function for the future, managing key credit control actions, and ensuring proper reporting systems are in place.

What you will be doing:

Delinquency Management: Recomment actions to reduce delinquency ratios in line with company/group targets

Underwriting & Score Management: Collaborate with internal and external stakeholders to review and refine underwriting processes, scorecard validation, and portfolio risk assessments.

Portfolio Monitoring & Reporting: Improve monitoring systems to track key credit risk KPIs, delinquency rates, and customer segmentation, ensuring regular reporting.

ECL Model Adjustments: Oversee ECL model development and ensure proper recalibration of EAD and LGD parameters based on delinquency and write-off data.

Governance & Policy Development: Drive the establishment of credit risk policies, including the risk appetite strategy, write-off policy, and delinquency process guidelines.

Collection strategies: Provide input and advise on collection strategies to improve the team's performance.

How you could stretch the role:

• Take ownership of long-term improvements in the credit risk framework by building more sophisticated tools and systems for monitoring, reporting, and forecasting credit risk.

• Lead the development of innovative strategies to manage the delinquency position and implement new technologies such as advanced data analytics for credit control.

• Influence strategic decisions around the underwriting and credit risk policies, making a significant impact on the financial health of the business.

Experience you would gain:

• Exposure to high-level credit risk management and delinquency reduction strategies
• Expertise in developing and refining ECL models, portfolio monitoring tools, and underwriting processes.
• Leadership experience in shaping key credit risk policies and governance frameworks.

Requirements

Experience: At least 5-8 years experience in credit risk management in a leasing or financial services company, regulated background preferred.

Recruitment Leadership: Experience in recruiting and leading high-performance teams in a credit risk environment.

Model Management: Proficiency in managing and adjusting models such as ECL based on credit data.

Underwriting & Score Management: Strong knowledge of underwriting criteria and scorecard management.

Attributes & Behaviours:

Leadership: Demonstrates strong leadership in managing cross-functional teams and implementing strategic initiatives.

Analytical Thinking: Able to analyse credit data and develop models and processes that drive business results.

Problem-Solving: Approaches challenges with creativity and implements solutions that improve credit risk management.

Communication: Communicates complex concepts clearly and builds consensus among stakeholders.

Benefits

• Competitive starting salary
• Bonus earning potential
• 25 days holiday + 8 days bank holiday
• Great pension scheme starting at employee (EE) contribution of 4% with an employer (ER) contribution of 11%. This can flex up to 6% EE contribution and 15% ER contribution
• Company Car Scheme following passing of probation
• Private Medical Cover
• Life assurance scheme
• Discounts on different retailers
• Wellbeing hour each month
• Discounts on Toyota & Lexus cars
• Volunteer Days
• Wellbeing events
• Employee assistance programmes
• Free fruit in the office
• Free onsite car parking
• Working Hours 37.5 per week Monday - Friday
• Hybrid working policy 2 days from home each week should you want to

KINTO UK is an equal opportunities employer. We welcome applications from anyone who is excited by the opportunity of joining us and will thoroughly consider all applications without attention to ethnicity, religion, sexual orientation, gender, identity, family or parental status, national origin, veteran, neurodiversity status or disability status

OUR RECRUITMENT PROCESS

At KINTO we value everyone and are pleased to be recognised as a Disability Confident Employer, which is a national standard that ensures our processes are accessible to all.

For this role we follow a 1st and 2nd round interview process with a member of HR and the hiring Manager/s. The interview will be via Teams and/or Face to Face, so that we ensure you have the best experience.

Everyone is unique, and that means what works for some may not work for everyone. When it comes to recruitment, please do let us know if we can adjust our process to be meet your accessibility needs.

Some examples of how we might be able to help are listed below:

• Providing a copy of interview questions before the interview
• Organising a time and location that best suits you
• Allowing additional time for the assessment and interview

We are happy to review any adjustment on a case-by-case basis, so please let us know how we can support you to be your best self.

On the job training will be provided, we recognise we all learn differently, and we want to ensure that our training will suit your learning style. We are open to talking to you about how we can make learning your new role in the most positive way.