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- Tasks: Track bad debt performance and improve provisioning models.
- Company: Join BNP Paribas Personal Finance, a global leader in consumer finance solutions.
- Benefits: Enjoy flexible working, competitive salary, health plans, and lifestyle perks.
- Why this job: Make a positive impact while developing your skills in a supportive environment.
- Qualifications: Experience in SAS Base/SQL, risk management, and data analysis required.
- Other info: We welcome applicants with transferable skills; confidence is key!
The predicted salary is between 36000 - 60000 £ per year.
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Direct message the job poster from BNP Paribas Personal Finance
Recruitment Partner at BNP Paribas Personal Finance Via The Curve Group
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:
Assist in tracking the bad debt performance against forecasts on a monthly and ad hoc basis to identify variations and carry out root cause analysis. This includes maintaining IFRS9 models and recalculating provision rates for all BNP Paribas PF UK portfolios.
Identifying ways to improve the accuracy of the provisioning models, providing information, analysis and technical support for the development of loss forecast models.
To supervise risk analysts as requested, taking responsibility for the work that they undertake.
The Risk anticipation team are a crucial aspect of risk informing the business of current, past and future credit risk performance in line with the accounting and BNP Paribas group standards and this role is a key component of that team.
Key Responsibilities:
- Assist in the monitoring of all models against forecast to identify adversities.
- Provide root cause and investigative analysis on a regular basis
- Supply management reports, which evaluate the Cost of Risk of the BNP Paribas PF.
- Provide month end results, balance structures and report Internally, to group and regulators in a timely and accurate manner
- Communicate effectively with the different stakeholders, including IT, other business units and/or Group to ensure the projects are progressing correctly.
- Perform the economical valuations of Non-performing Loans portfolios to assess potential debt sales
Skills & Attributes:
- Proven experience in SAS Base / SQL or similar programming language
- Existing knowledge of credit bureau data and products.
- Proven experience in Risk Management or a data analysis function
- Prior knowledge of forecasting
- High level of accuracy and attention to detail
- Ability to communicate and influence all levels of management and work with other departments
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 a contributory pension scheme
- Access to our Health Cash Plan Scheme
- 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
- The opportunity to buy and sell holidays, giving you even more control over your work-life balance
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.
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.
Seniority level
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Seniority level
Mid-Senior level
Employment type
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Employment type
Full-time
Job function
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Job function
Analyst
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Industries
Banking and Financial Services
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Senior Credit Risk Analyst - Risk Anticipation employer: BNP Paribas Personal Finance
Contact Detail:
BNP Paribas Personal Finance Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst - Risk Anticipation
✨Tip Number 1
Familiarise yourself with IFRS9 models and the specifics of credit risk analysis. Understanding these concepts will not only help you in interviews but also demonstrate your commitment to the role.
✨Tip Number 2
Brush up on your SAS Base and SQL skills, as these are crucial for the role. Consider working on sample projects or datasets to showcase your analytical abilities during discussions with the hiring team.
✨Tip Number 3
Network with current employees or professionals in the field of credit risk analysis. Engaging in conversations can provide insights into the company culture and expectations, which can be beneficial during your application process.
✨Tip Number 4
Prepare to discuss your experience with root cause analysis and how you've used it to improve processes in previous roles. This will highlight your problem-solving skills and ability to contribute to the team's objectives.
We think you need these skills to ace Senior Credit Risk Analyst - Risk Anticipation
Some tips for your application 🫡
Understand the Role: Take time to thoroughly read the job description for the Senior Credit Risk Analyst position. Understand the key responsibilities and required skills, such as experience in SAS Base/SQL and knowledge of credit bureau data.
Tailor Your CV: Customise your CV to highlight relevant experience and skills that align with the job requirements. Emphasise your background in risk management, data analysis, and any specific projects that demonstrate your ability to track bad debt performance or improve provisioning models.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for the role and the company. Mention how your values align with BNP Paribas Personal Finance's mission and how you can contribute positively to their team.
Highlight Transferable Skills: If you don't meet all the requirements, focus on transferable skills that could be beneficial for the role. Discuss your analytical abilities, attention to detail, and communication skills, which are crucial for collaborating with various stakeholders.
How to prepare for a job interview at BNP Paribas Personal Finance
✨Showcase Your Analytical Skills
As a Senior Credit Risk Analyst, you'll need to demonstrate your ability to analyse data effectively. Be prepared to discuss specific examples of how you've used SAS Base or SQL in previous roles to track performance and conduct root cause analysis.
✨Understand the Role of IFRS9 Models
Familiarise yourself with IFRS9 models and their importance in credit risk management. During the interview, be ready to explain how you have maintained or improved these models in past positions, as this will show your technical expertise.
✨Communicate Clearly with Stakeholders
Effective communication is key in this role. Prepare to discuss how you've successfully collaborated with different departments or stakeholders in previous jobs. Highlight any experiences where your communication skills led to successful project outcomes.
✨Emphasise Your Attention to Detail
Given the high level of accuracy required in this position, be sure to provide examples that showcase your attention to detail. Discuss how you've ensured accuracy in reporting and analysis, and how this has positively impacted your previous teams or projects.
