Credit Risk Analyst

We have a great opportunity for a Credit Risk Analyst to support the business in the management of credit risk; maximising sales opportunities whilst controlling bad debt losses and ensuring continued compliance with consumer credit regulations., * Undertake detailed statistical analysis to review and optimise credit decision strategies, processes and models.

• Undertake ad-hoc analysis to inform business decisions and investigate specific risk issues.

• Ensure all analysis is accurate, well presented and delivered within the required timescales

• Code, test and implement approved changes to the credit decisioning systems.

• Produce detailed, accurate credit MI and identify emerging trends, risks and opportunities

• Develop new MI reports to meet business needs

• Identify and implement continuous improvement initiatives to increase efficiency, resolve issues and/or improve business performance

• Maintain comprehensive documentation of credit strategies, procedures and processes

• Deputise for the Senior Credit Risk Analyst / Lead Credit Risk Analyst

• To be committed to good outcomes for customers at all times

• Ensure compliance with all applicable UK and local regulations, Company Policies and FCA Conduct Rules

• Demonstrate behaviours in line with our Company values

• To take reasonable care for the health and safety of yourself and other persons who may be affected by acts and omissions at work

• Skilled in data manipulation and analytical techniques

• Ability to derive and communicate insight from data/Management Information

• Competent in Microsoft Office

• Educated to Degree Level or equivalent; preferably in a numerate discipline.

• Effective written and verbal communication skills

• Basic understanding of consumer credit products and lifecycle

• Able to commute to Bradford city centre 2 days per week (across Tue, Wed & Thu)

• May be required to work out of hours in an emergency

Our staff enjoy competitive benefits including staff discount, generous annual leave, healthcare cash plan together with a vibrant, colourful, creative and flexible working atmosphere. With our competitive benefits, and supportive teams our staff enjoy helping us on our mission and benefit greatly from the challenges that come with working for a successful retailer.