Quality manager - united kingdom, glasgow

the opportunity

we're changing the mortgage market for the better, helping more people with flexible and competitive products. we're transforming how we do business and are looking for someone to help shape our digital future.

our success would not have been possible without our team. our people differentiate us from the competition through their deep sector knowledge, they are the life force of our business.

tml is a specialist intermediary-only mortgage lender that provides products and criteria that meet the needs of borrowers who are not served by the high street.

the role & responsibilities

working with the head of quality & control in the 1st line of defence controls team, the quality manager will support the wider leadership team, the board of directors and other governance committees through the oversight and application of the company's policies including credit, vulnerable customers, anti-financial crime.

you will lead the development and application of an enhanced oversight framework ensuring that they remain in line with company and regulatory expectations and industry best practice.

quality duties and responsibilities of the job include:

development and management of an appropriate framework, allowing proactive and reactive oversight of underwriting quality aligned to risk appetite, fair customer outcome standards and align with our requirements and regulations

supporting and performing risk assessment: analysing current risks and identifying potential risks that are affecting the company

preparing and delivering outputs from the oversight framework to senior stakeholders and appropriate governance committees with recommendations for approval

work with operations, operational and other risk teams to ensure the correct outcome for the company is achieved

performing a risk evaluation: supporting the risk control self-assessment cycle, evaluating the company's previous handling of risks, and comparing potential risks with criteria set out by the company such as financial impact, customer impact and regulatory requirements

supporting 1st line management to understand, assess and manage key risks and controls, to help create better business decisions

working with 2nd and 3rd line to develop appropriate approaches for the company

development and delivery of insightful risk reporting tailored to the relevant audience. conducting risk reviews, which will include liaising with internal and external stakeholders

supporting changes to policies and/or key documents, engaging with appropriate stakeholders

people leader to a small team, providing strategy and vision, inspiring trust and developing potential

building risk awareness amongst staff by providing support, education, and training.

the person

our ideal candidate will be a credit risk professional, with:

a background of credit risk decision making, as well as experience in quality management and framework development

excellent problem solving, analytical and data skills, combined with the ability to apply those skills across business processes

the ability to provide confident and credible challenge to senior stakeholders within the business

great communication skills, both verbal and written, with the ability to form effective working relationships with a variety of stakeholders

people leader experience in a team of risk professionals

exposure to operational and conduct risk, the required regulatory and legal standards and industry best practice and systems

an appropriate knowledge of the commercial, legislative, and regulatory framework as they relate to mortgage lending; and

experience of engaging and challenging senior leaders including through appropriate governance committees.

reward

your wellbeing - we take your health and well-being very seriously by providing a range opf benefits to give you and your family peace of mind. these include

marketing leading family friendly family policies such as access to our maternity, adoption and paternity policies from day 1 of your employment

free access to peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause

eap (employee assistance programme) - offers in you support on a wide range of subject including financial concerns, mental wellbeing and more general queries around family, work, housing and health

cycle to work scheme

contributory pension scheme & death in service

your lifestyle - it is important that you strike the right balance between your work and personal life. we provide benefits to support you when at work and when you're enjoying your leisure time.

minimum of 25 days holiday per year

option to buy or sell holidays through our flexi-holiday scheme

health cashback plan through bhsf

access to discounts on a range of high street and online brands

community support and charitable giving

your contribution - we're focused on rewarding those that go the extra mile in helping us achieve our goals

participation in our annual discretionary bonus scheme designed to reward your contribution to our success

wobblers recognition scheme focused on recognising out role models and thanking out colleagues for a job well done

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