Senior Consultant - Transformation

London, Manchester, Edinburgh

EY is helping clients to transform the way they support their customers and manage their business across the end-to-end credit lifecycle, harnessing the collective power of advanced analytics, big data, digital technology, and business knowledge. Our Credit Transformation team works closely with other EY partners to create the diverse teams that review, design and deliver solutions, including:

• End-to-end credit risk frameworks, strategies, appetite, methodologies and policies
• Advanced decisioning capabilities
• Target operating models, intelligent lending processes and automation solutions
• Real-time credit insights and performance monitoring
• Collections strategy and process optimisation.

Demand for these services is driven by changes in technology and customer expectations, regulatory and legal reforms, and competitive pressures. Driven by our strategic growth plans and industry change, our team is projected to see strong year-on-year growth over the next 3 years.

EY is looking for motivated Senior Consultants that enjoy working on an exciting range of multi-disciplinary projects at the forefront of this space.

The opportunity

As part of the team, you will have the opportunity to work with many of the world’s leading and most innovative lenders, and to leverage the deep knowledge and wide-ranging skills and experience of your Credit Risk colleagues. The successful Senior Consultant will lead client engagements and internal projects. You will also take the lead in identifying and escalating potential business opportunities for EY on existing engagements. You will also help create a collaborative and inclusive working environment by practicing active listening skills and respecting differences.

Similarly, you will anticipate and identify risks and raise any issues with senior members of the team. In line with our commitment to quality, you will determine that work is of a high quality and is reviewed by the next-level reviewer. As an influential member of the team, you'll help to create a positive learning culture and will coach and counsel junior team members and help them to develop. Your career journey will also be supported by an EY counsellor, and you will be encouraged to ask questions and seek collaborative solutions with your teammates to tackle the challenges that arise on client projects.

Your key responsibilities

As a Senior Consultant in the team you can expect to be involved in the following activities:

• Participate in Credit Transformation engagements
• Work effectively as a team member sharing responsibility, providing support, maintaining communication, and updating senior team members on progress
• Assist in preparing reports and schedules that will be delivered to clients and other parties
• Develop and maintain productive working relationships with clients while building strong internal relationships within the advisory practice and across other services
• Conduct performance reviews and contribute to performance feedback for staff
• Maintain an educational program to continually develop personal skills

To qualify for the role

Practitioner or Consulting experience in delivering some combination of the below:

• End-to-end credit risk strategy/frameworks, policies, governance, appetite, and MI specifically in retail, commercial, or corporate lending.
• Advanced credit decisioning - experience in decisioning frameworks and lending strategies, affordability assessments, decision model development, use of non-traditional methodologies and big data, innovative approaches for improving quality and consistency of manual decisions.
• Intelligent lending processes – strong knowledge of elements of the E2E credit processes, analytics based cross selling of banking products and experience in automation (particularly origination, credit review, credit distress monitoring, and improving collections efficiency).
• Real-time credit monitoring & collections - experience in early warning systems / credit monitoring frameworks, analytics to support better and more real-time distress identification, collections strategies and optimisation through analytics, collection case management processes.
• Good understanding of the credit risk regulatory landscape

Skills and attributes for success

• Passionate about building next generation credit capabilities combining people, data, analytics, and technology.
• Pragmatic approach to problem solving with curiosity to ask good questions and find innovative solutions
• Confident and credible communicator who displays both technical knowledge and commercial understanding
• Thoughtful and diligent in stakeholder and client management
• Ability to coach, develop and motivate team members to excel
• Experience in project management and writing high-quality documents appropriate for the audience

Ideally, you'll also have

We are interested to hear from people with the right attitude for the job! That’s naturally curious and innovative people that feed on the energy of a thriving global team. You’ll need a balance of technical and analytical skills, a creative approach to work and strong communication skills. If you’ve got big ideas on how we can do better, this role is for you.

What working at EY offers

We offer a competitive remuneration package. Our comprehensive Total Rewards package includes support for flexible working and career development, and with FlexEY you can select benefits that suit your needs, covering holidays, health and well-being, insurance, savings and a wide range of discounts, offers and promotions.

About EY

As a global leader in assurance, tax, transaction and advisory services, we’re using the finance products, expertise and systems we’ve developed to build a better working world. That starts with a culture that believes in giving you the training, opportunities and creative freedom to make things better. Whenever you join, however long you stay, the exceptional EY experience lasts a lifetime. And with a commitment to hiring and developing the most passionate people, we’ll make our ambition to be the best employer by 2021 a reality.

If you meet the criteria above, please contact us as soon as possible.

Join us in building a better working world.

Apply now.

Who we are

EY is committed to being an inclusive employer and we are happy to consider flexible working arrangements. We strive to achieve the right balance for our people, enabling us to deliver excellent client service whilst allowing you to build your career without sacrificing your personal priorities. While our client-facing professionals can be required to travel regularly, and at times be based at client sites, our flexible working arrangements can help you to achieve a lifestyle balance.

Diversity and inclusiveness are core to who we are and how we work. We hold a collective commitment to foster an environment where all differences are valued, practices are equitable and everyone experiences a sense of belonging — where people are inspired to team and lead inclusively in their interactions every day.

Please note: Prior to finalizing your application, you will be asked to provide personal information across several dimensions of diversity and inclusiveness. The information you provide is kept entirely confidential and will not be used to evaluate your candidacy. We collect this data to help us analyse our recruitment process holistically and implement actions that promote diversity and inclusiveness. While optional, we encourage you to provide this information to hold us accountable towards our goal of building a better working world. We ask because it matters!

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