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Credit Risk Manager - Collections

As a Credit Risk Manager (Collections) you will lead a team of analysts developing and maintaining Pre-arrears and Collections strategies for Argos Financial Services. You will be managing delinquency and bad debt loses whilst positively impacting the overall profitability and security of the store card business through the effective deployment of strategies, robust analytics, oversight and performance management.

You will be joining Financial Services where our aim is to make life better every day for Argos customers. We help customers afford and protect what matters most, offering products and services including Credit, Warranties & Insurance. The Financial Services department is the profit creator and that’s why it’s the most exciting place to be: right at the heart of the action. Here, you can be part of something bigger and help to create a new approach that puts the customer at the heart of everything we do.

As Credit Risk Manager (Collections) you will:

Develop and maintain Pre-Arrears and Collections strategies with a clear emphasis on compliance, profitability and maintaining an ethos of continuous improvement.
Monitor, evaluate and analyse all aspects of the strategies and will clearly communicate results, conclusions and recommendations for improvements to senior management.
Use data mining techniques, profitability analysis and champion/challenger testing to refine and optimize Collections and Recovery processes and strategies.
Ensure that appropriate reporting, together with guardrails, is in place to monitor the effectiveness of strategies and flag issues appropriately.
Identify and effectively manage risks and opportunities.
Manage and create a motivated, effective and high performing team, identifying and facilitating a positive learning environment that creates opportunities and result for team members.

As Credit Risk Manager (Collections) you will have:

Collections/Recoveries experience with a Retail finance, Banking or credit card provider environment.
Experience of strategy creation, analysis and management.
Proven strong data interpretation and analytical skills including data manipulation, analysis and the ability to present the findings in a simple format to non-technical stakeholders.
Experience of working with (storing, querying and manipulating) large data sets through various technical applications such as SQL and SAS.
Industry knowledge of Credit Risk practices.

As well as the opportunity to join a great team you will also receive a competitive salary, 24 days holiday, and a range of other great benefits. We will support you in developing your skills to build the career you want.

There’s never been a more exciting time to join Argos. We are capitalising on our success and going through a great transformation. It’s a period of expansion and rejuvenation; we’re shaking things up and creating more opportunities than ever before.

As this role involves working in a regulated environment any offer made will be subject to satisfactory background checks including criminal record check, credit check and employment references.


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