Connect Recruitment

Job Title: Operational Risk Manager PURPOSE SUMMARY We are seeking an experienced and driven Operational Risk professional who will play a crucial role in assisting the Head of Risk in the oversight and management in all aspects of Operational Risk, ensuring the identification, assessment, and mitigation of risks across all business functions. The successful candidate will be responsible for continuously improving risk processes, owning risk registers, managing risk assessments, performing second line controls, and advising the business on decisions required for reducing Operational Risk. GENERAL DUTIES: Assist in identifying, measuring and monitoring potential risks throughout the business, liaising with key stakeholders Conduct business impact assessments to identify potential risks and support the business in implementing effective controls Perform quarterly second line controls, ensuring potential risks are well managed within the business and creating action plans to mitigate any new risks Own the annual Operational Risk Mapping process, utilising Basel risk categories to ensure risk is well managed across the entire business Test the adequacy and effectiveness of first line controls performed by the business, identify areas of improvements and corrective actions where necessary Conduct root cause analysis of operational events and develop strategies to mitigate future risks Promote the companies risk aware culture, serving as a subject matter expert on operational risk initiatives. Identifying, initiating, and fostering relationships with business stakeholders to promote a culture of continuous improvement Ad-hoc & recurring projects including segregation of duty analysis Work closely with Headquarters on new and emerging Risk management techniques and requirements Line management of the Risk graduate(s) KNOWLEDGE, EXPERIENCE AND QUALIFICATIONS A minimum of 5 years experience in enterprise and operational risk management, with experience in risk frameworks and processes Experience in financial services, with a strong understanding of the UK regulatory environment is desirable A graduate from a numerate discipline, ideally Business or Economics, at 2:1 level or higher Fluent in English

Retailer Services, Credit Control and Sales Support Team Leader Permanent Full time Slough £36,600 + Bens + HYBRID 2 day WFH Responsible for leading a team of Customer service Specialists ensuring all customers experience is market leading. The role holder will be responsible for leading and developing a team Support Specialists to deliver best in class service and achieve Customer/ Retailer satisfaction and departmental objectives. Responding to and processing all customer and retailer enquiries through the provision and collation of timely and accurate information and the completion of all relevant transactions with particular emphasis on finance activities. Through day to day actions ensure compliance of all regulatory requirements and industry standards. Also responsible for building efficient, scalable processes. Support training needs and ensure business transactions are frictionless and have the right pace to aid business growth. KNOWLEDGE, EXPERIENCE AND QUALIFICATIONS Minimum 12 months experience of managing teams of people Experience of Financial Services Contact Centre environments An empathetic and developmental leadership style Have worked in a fast moving, progressive, sales driven environment

Job Title: Business Development Executive Hybrid, working remotely from home and the Windsor office and conducting site visits across England and Wales Role Overview: 1. You will be conducting site visits to potential borrowers at their place of business to assess if we are proceeding to a lending decision. 2. You will be assessing director behaviour, business sector and collating any further documentation required to determine your final lending decision. 3. You will be looking at the risks involved with the business and put these factors towards the lending decision. 4. The information that is gathered at the underwriting stage will also support you to conduct the visit. 5. You will be required to present the site visit findings to the Loan Sales Manager along with your business decision as to whether we should approve the lending decision. 6. You will be required to build a business relationship with the director(s) you meet during your site visits to enable a solid line of communication. You be required to make contact directly with the director(s) to confirm, re-arrange and ensure that the director has all necessary documents and proof prepared for their visit. 7. A strong understanding of commercial lending, risk assessment and financial analysis is required. 8. Absolute professionalism whilst representing the company is essential. 9. Strong time management is vital in this role. Role Responsibilities • Support the underwriting team by underwriting cases when you are not out on the road. • Maintain an understanding of and comply with all relevant lending regulations, including those from financial regulatory bodies and internal lending policies. • Upon completion of the site visit, ensure you carry out a post visit meeting with the Loan Sales Manager, at this stage you must ensure you raise any red flags/ concerns regarding the business we are considering lending to. • Evaluate creditworthiness and risks of loan applicants by analysing financial data including income, financial statements, and collateral when underwriting cases. • Provide excellent customer service by promptly responding to questions and concerns from loan applicants, explaining the loan application process, and communicating decisions effectively. • Keep yourself updated on loan products, underwriting standards, and collections procedures. • Ensure all documentation and ID Verification checks are prepared and completed to a satisfactory standard before submitting the case to the lending department. • Be able to operate with proficiency CRM systems and keep accurate notes and documentation. • Make it your responsibility to know your customers. Requirements: • Use of own car as you will be required to drive to our customers (monthly car allowance). • Confident, friendly and a professional manner is required at all times as you will representing the company when onsite visits. • Excellent interpersonal and communication skills. • Excellent analytical and decision-making abilities. • Knowledge of loan compliance and regulatory standards.

Job Title: Underwriting Specialist PURPOSE SUMMARY: The Underwriting Specialist role is to assess the risk associated with extending customer credit and financing. PRINCIPAL ACCOUNTABILITIES: The Underwriting Specialist will assess this risk by manually underwriting dealer proposals in accordance with the company credit/underwriting policy rules and in accordance with service level adherence targets. The Underwriter is responsible for ensuring that the quality of their underwriting decisions is in accordance with company tolerances and credit policy rule sets. As part of the manual underwriting process, the Underwriter will undertake the appropriate analysis of retail customer s financial statements in order to assist in reaching timely and accurate conclusions on the Referral (e.g., Accept or Decline decision) This information, coupled with an analysis of the customer s repayment capacity, will enable the Underwriter to reach the appropriate lending decision. The Underwriting Specialist will utilise the Genus system to achieve acceptance decision targets. Using a proactive approach to work management and service level adherence, the Underwriter also uses the Genus system to help self-manage their work queues. This will ensure that work queues are reviewed and actioned in accordance with agreed proposal status review targets. KNOWLEDGE, EXPERIENCE, QUALIFICATIONS: • 3 years experience in an underwriting or credit analyst position in financial services • Experience in the automotive or consumer finance industry is advantageous. • Practical experience with scorecard design and testing

An exciting opportunity to gain exposure to how the business works, and the opportunity to develop sound knowledge of audit principles and an understanding of the group audit philosophy, methods and techniques. In this role you will be given the opportunity to develop your understanding of the business processes, risks and controls. The role will be supporting the Internal Audit Manager to perform and deliver end-to-end audits of different processes, risks, governance and controls as well as managing the internal audit systems and related paperwork. Desirable Skills Business knowledge advantageous Able to apply the Internal Audit conduct rules (confidentiality, integrity, competence, transparency and objectivity). Microsoft Office skills to include Excel, word and power point essential. Exposure to Accounting and operational systems desirable. Inquisitive mind to stimulate the natural disposition for quantitative analysis. Logic and determination to support the practical approach to problem solving. Shares openly ideas and opinions and not afraid to challenge and lead change in the environment as well as adjusting to it. Ability to read procedures and translate them to process mapping. Good team player Comfortable working under pressure.

An exciting opportunity to gain exposure to how the business works, and the opportunity to develop sound knowledge of audit principles and an understanding of the group audit philosophy, methods and techniques. In this role you will be given the opportunity to develop your understanding of the business processes, risks and controls. The role will be supporting the Internal Audit Manager to perform and deliver end-to-end audits of different processes, risks, governance and controls as well as managing the internal audit systems and related paperwork. Desirable Skills Business knowledge advantageous Able to apply the Internal Audit conduct rules (confidentiality, integrity, competence, transparency and objectivity). Microsoft Office skills to include Excel, word and power point essential. Exposure to Accounting and operational systems desirable. Inquisitive mind to stimulate the natural disposition for quantitative analysis. Logic and determination to support the practical approach to problem solving. Shares openly ideas and opinions and not afraid to challenge and lead change in the environment as well as adjusting to it. Ability to read procedures and translate them to process mapping. Good team player Comfortable working under pressure.