CREDIT RISK ANALYST
UP TO £40,000
FULL-TIME IN OFFICE (NORTH ENGLAND)
This is an exciting newly created role which will report into the Chief Risk Officer. You will have the opportunity to join and shape the credit risk framework of the business and strengthen the analytical capabilities.
THE COMPANY
This company is a Consumer Finance business, focusing on Home Improvement lending. They are currently going through a considerable level of growth and are doing lots of interesting work within the environmental space.
THE ROLE
You will be doing the following daily:
- Develop credit risk management strategies, including manual verification rules for the underwriting team.
- Analyse data from Credit Reference Agencies and other sources to design innovative approaches to the credit approval process.
- Monitor the decision engine's performance to ensure that refer/decline rules, product limits, credit score cut-offs, and affordability assessments are effective and appropriate.
- Implement a robust test-and-learn approach, developing tests based on data-driven evidence, setting clear performance expectations, and subsequently monitoring and maintaining performance.
- Conduct specialized analysis in scorecard development, modelling, profiling/segmentation, and forecasting to ensure lending aligns with Credit Risk Policy and the business's risk appetite.
- Code, test, and implement approved changes to the credit decision systems, maintaining comprehensive documentation of credit strategies, procedures, and processes.
- Provide support and advice to internal customers regarding business insights and analytical trends.
- Investigate issues by identifying and highlighting trends and emerging issues and develop appropriate solutions to improve customer outcomes and business performance.
YOUR SKILLS AND EXPERIENCE
- Strong analytical and numeric skills.
- Strong numerate degree from a Russel Group University.
- Skills in relevant software, such as Power BI, SQL, SAS, VBA, or Python.
- Previous experience in the Credit Risk space.
- Previous experience working with Credit Reference Agency data.
- Strong written and verbal communication skills.
THE BENEFITS
- Up to £40,000 salary.
- Discretionary bonus.
- Pension scheme.
HOW TO APPLY
Please register your interest by sending your CV to Gaby Adamis via the Apply link on this page.