Senior Credit Risk Analyst

Job Title: Senior Risk Analyst

Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues

Hours: Full time, Permanent

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A bit about us:

At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.

The Role:

We are seeking a highly driven Senior Credit Risk Analyst to join our dynamic Risk Analytics team. In this role, you play a pivotal role in shaping and refining credit risk strategies across customer acquisition and account management. Leveraging advanced data analytics, statistical modelling and industry best practices, you will drive smarter credit risk decisioning, enhance portfolio performance and support sustainable business growth while ensuring regulatory compliance.

Key Responsibilities:

• Develop, implement and continuously enhance credit risk strategies across scorecards, policy rules, pricing, limits management and affordability models to optimise risk-reward outcomes.
• Conduct in-depth exploratory analysis using diverse data sources across various client segments to identify trends, assess risk exposure and generate actionable insights.
• Optimise credit risk decisioning through advanced analytics and statistical techniques, ensuring lending strategies are within the agreed risk appetite.
• Perform regular portfolio performance reviews and health checks, identifying emerging trends and key risk indicators while recommending proactive mitigation strategies in monthly committees.
• Develop and maintain robust credit risk MI and reporting frameworks to support strategic decision making.
• Collaborate with stakeholders across the business to ensure risk strategies align with broader commercial objectives.
• Provide mentorship and guidance to junior analysts, fostering a data-driven and risk-aware culture within the team.

Skills & Attributes:

• Proven experience in a credit risk analytics role, preferably within banking or financial services.
• Exceptional accuracy and attention to detail.
• Strong proficiency in SAS, SQL or Python for data analysis and modelling.
• Hands on experience with credit risk strategy development, credit scoring and decision analytics.
• Excellent problem-solving skills with the ability to translate data insights into actionable business recommendations.
• Strong communication and stakeholder management skills.
• Degree in quantitative field such as Mathematics, Statistics, Economics, Finance, or a related discipline.
• Experience with machine learning techniques and data visualisation tools is a plus.

What’s in it for you?

Joining BNP Paribas Personal Finance means becoming part of a Top Employer UK dedicated to making a difference to the lives of our customers. Along with a fulfilling career, you'll be able to enjoy a benefits package which you can tailor to your lifestyle and needs, with key highlights including;

• Competitive salary and comprehensive package, including a contributory pension scheme, access to our health cash plan scheme and the ability to buy and sell holidays, giving you even more control over your work-life balance.
• A multi-award-winning flexible benefits platform offering life insurance, private medical insurance, or lifestyle benefits that include discounts on dining, cinema, and days out.
• Opportunity to work on innovative risk solutions in a dynamic and growing organisation.
• A supportive and collaborative environment that values professional development.

Could this be you?

Making a positive impact is at the heart of everything we do – whether for our colleagues, customers, partners, or the community. We live by our values: We’re positive, we’re brave, and we own it. We believe a positive attitude and a passion for making things happen matter most. Don’t let confidence hold you back – there’s no such thing as a ‘perfect’ candidate. If you meet 75% of the requirements for this role, we want to hear from you! Whether you're considering a career change or exploring a sector jump, we welcome applicants with transferable skills.

Apply now to express your interest and discover how you can make a meaningful contribution to our dynamic team.

To learn more about careers at BNP Paribas Personal Finance UK, visit our website: https://www.bnpparibas-pf.co.uk/careers.

Equal Opportunities Disclaimer

BNP Paribas Personal Finance promotes equality of opportunity and is committed to ensure that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation.