Lead Credit Risk Analyst

The Vacancy

The role will report into the Credit Risk Manager and will provide an invaluable opportunity to drive significant change and value for the Bank through a range of insight-providing analytical projects.

Responsibilities:

1. Develop expert understanding of the customer management lifecycle, including all aspects of decisioning and customer touch points.
2. Drive the optimisation of lending decisions through test and learn initiatives to identify champion strategies.
3. Investigate and develop new data sources for analysis and decisioning.
4. Support business growth and portfolio profitability while ensuring a balance between risk, reward, and responsible lending, and controlling credit quality and performance.
5. Ensure lending decisions are accurate and appropriate through close tracking and monitoring.
6. Perform inquisitive and innovative analysis and provide logical recommendations resulting in customer and/or business benefits.
7. Design, initiate, and deliver complex analytical/data-driven projects, considering customer and business implications throughout.
8. Automate and streamline processes to maximize integration, effectiveness, and efficiency.

Experience required:

• Experience in consumer credit, preferably in the sub-prime or online lending sector.
• Ability to present clear and concise results both written and verbal, highlighting key trends, opportunities/risks, and recommendations.
• Maintain clear documentation and commented code for analysis, processes, and tools, including logs/audit trails.
• Understanding of data systems, data collation and storage processes, and data retrieval methods.
• Deep understanding of the business context behind data, underlying processes, and data limitations to inform analysis and proposals.
• Ability to define project phases, success criteria, and timelines, driving projects to completion while engaging stakeholders and considering customer impact.
• Support testing and implementation of model, policy, and strategy changes, liaising with relevant departments.
• Minimum of 5 years\’ experience in an analytical role.
• Honours Degree or equivalent in Mathematics, Statistics, Operations Research, or Computer Science.
• Proficiency in SAS/SQL (Advanced) and intermediate MS Office skills.
• Experience with decisioning systems and credit analytics, including scorecard cut-off setting and strategy optimization.

What We Offer

We prioritize your health, wellbeing, and work-life balance, offering flexibility, resources, and support. Our benefits include:

• Holidays: 25 days of annual leave, increasing to 30 with service, with options to buy or sell up to 5 days, plus flexible bank holidays.
• Pension: Up to 10% employer contributions.
• Enhanced Leave: Maternity, paternity, neonatal, and carers leave.
• Workations: Work abroad for up to 20 days annually in approved countries.
• Paid Birthday Leave.
• Volunteering: 2 paid days annually.
• Learning & Development: Access to LinkedIn Learning.
• Financial Wellbeing: Free Snoop Premium subscription.
• Healthcare: Dental and private medical insurance options.

The Benefits

• Competitive salary and rewards.
• Private Medical Insurance.
• 25 days holiday, increasing with service.
• Defined contribution pension scheme.
• Discretionary bonus scheme.
• Perks platform with discounts.
• Charity volunteering days.
• Flexible, hybrid, and dynamic working policies.
• Personal and career development opportunities.
• Monthly and quarterly social events.
• Discounted gym memberships.
• BUPA GP Service.

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