Manager FBP Unsecured

Business Unit: Finance, Finance Business Partners  
Salary: £56,800 - £71,000 per annum DOE + red-hot benefits
Location: Remote, UK Flexible
Contract Type: Permanent

Our team

As Finance Business Partner for Unsecured lending (Credit Cards, Personal Loans), you’ll be part of an experienced team of Finance professionals who work with colleagues across Commercial, Finance, Operations and Risk. The role is dynamic, varied and focussed on providing the support to enable Commercial to deliver on strategy.

Our team makes sure that the numbers make sense commercially and are optimised. This is a very exciting time to join given Unsecured has strong growth plans as it looks to build out its strong position within its existing market and new segments over the next few years.

What you’ll be doing

• Interpretation and explanation of financial position including trend analysis, commentary on major themes and highlighting key areas of interest.
• Articulating financial analysis to inform Commercial decision making, including product pricing and profitability assessments, and making recommendations for the optimisation of the product range through analysis and insight.
• Understanding financial evaluation of new product offerings and making recommendations for the optimisation of existing product offerings, providing analysis & insights to help increase revenue lines across the product range.
• Be on the lookout for opportunities to consistently enhance our current modelling capabilities – including pricing models, EIR models, forecasting models.
• Working with Risk & Commercial to optimise portfolio returns, by providing insight and analysis on the risk/reward relationship of products, including effective evaluation and challenge of IFRS 9 provision requirements and long-run credit loss expectations.
• Proactively monitor and understand performance vs Corporate Plan through timely financial insight and commercial awareness, identifying, and communicating opportunities and threats.
• Being responsible for maintaining and enhancing processes, providing recommendations on what technical development and innovation can be made, to drive an efficient and flexible function which can react quickly to changing circumstances. Ensure appropriate controls are in place.

We need you to have

• Proven advanced financial modelling and excel skills using up to date analytical and forecasting tools.
• Evident educational background such as an accountancy qualification, professional qualification in finance, business administration or a related discipline, or equivalent industry experience.
• Strong problem-solving and analytical skills gained in a retail banking environment.
• Demonstrated ability to build effective relationships across the business to support and challenge key financial assumptions.
• Excellent communication skills, with ability to convey detailed data driven analysis in simple, clear, and concise form.
• Good coaching skills and focus on development of our people.
• Commercial acumen, business understanding and knowledge of key market influences and associated risks within the financial industry, with an ability to identify threats and opportunities in financial forecasting.
• Knowledge of financial performance reporting standards, balance sheet and capital management.

It’s a bonus if you have but not essential 

• Familiar with software such as SAS and Power BI.

Red Hot Rewards

• Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time)​ plus the option to buy more.
• Up to five extra paid well-being days per year​. 
• 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt. 
• Market-leading pension.
• Free private medical cover, income protection and life assurance.
• Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness. 

And there's no waiting around, you'll enjoy these benefits from day one. 

If we’re lucky to receive a lot of interest, we may close the advert early, please ensure to submit your applications as soon as possible.  

Say hello to Virgin Money

Virgin Money is so much more than just a bank. As part of the Nationwide group, together we're the UK's first full-service mutual bank serving millions of retail and business customers and all driven by our purpose; Banking but fairer, more rewarding and for the good of society. With us, you’ll be part of an organisation uniquely positioned to make a difference to the lives of customers, communities and broader society and embark on a collaborative, customer obsessed, and fun-filled career journey. Embrace the weekdays, enjoy fantastic perks, and make a meaningful positive difference. Time to discover what it means to be part of the first mutual full-service banking provider.  

Be yourself at Virgin Money

At Virgin Money, we celebrate everyone. We have fun, think big, and relentlessly include each other, all in pursuit of our purpose: Banking – but fairer, more rewarding, and for the good of society.  We’re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.    

As a Disability Confident Leader, we're committed to removing any obstacles to inclusion.  If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team careers@virginmoney.com

Please note: If we receive a high volume of eligible applications, we may need to prioritise candidates whose skills and experience most closely align with the role, while still ensuring fair and equitable consideration for all applicants.

Now the legal bit
Although some of our roles allow you to be based anywhere in the UK, we'll need you to confirm you have the right to work in the UK. 

If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks – we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.