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For Companies At a Glance
- Tasks: Analyse credit risk and develop strategies to enhance consumer lending.
- Company: Join Castle Trust Bank, a fintech challenger bank with a dynamic culture.
- Benefits: Competitive salary, performance bonuses, generous leave, and private healthcare.
- Why this job: Make a real impact in the fintech space while developing your analytical skills.
- Qualifications: Degree in a numerical field and some experience in credit risk analysis.
- Other info: Enjoy hybrid working and a supportive, inclusive environment.
The predicted salary is between 21600 - 42000 £ per year.
The opportunity
We have an opportunity for a talented Credit Risk Analyst to join us on the exciting and rewarding path we are taking here at Castle Trust Bank. We pride ourselves in being a fintech challenger bank, providing specialist property mortgages, retail finance lending and savings accounts to a variety of customers.
In this role, you will contribute to the credit risk approach, changes to the risk decision systems for Omni Capital (our retail finance business line), analysis & MI and supporting the group in developing further opportunities to diversify its credit footprint. You will play a key role in monitoring consumer lending at Castle Trust, ensuring credit risk, affordability, and fraud strategies operate within the agreed risk appetite. Using advanced analytics and modelling, you’ll help shape credit risk strategy and policy, so it remains fit for purpose, compliant with regulations, and delivers the right outcomes for customers and the business. The role involves producing insightful analysis and reports, developing effective MI, and working closely with Technology and Data teams to enhance data capabilities. You’ll also support the specification, implementation, and testing of credit risk strategy changes, while collaborating with operational teams to deliver a robust and effective approach.
This role will benefit a hybrid working arrangement, to be based between our London office (3 days) and working the rest of the week from home.
What we are looking for in you...
- Degree in a numerical/quantitative or finance subject/discipline – minimum 2:1 classification
- Some demonstrable work experience in Credit Risk
- Strong communication skills with the capability to influence a range of business stakeholders
- Full right to work in the UK without the requirement for visa sponsorship
What is important to us is that you have some proven experience in credit risk, with the ability to analyse, interpret, and review data and ideas before providing a solution, recommendation, or opinion. You should be able to spot trends, outliers & anomalies in data and reports. In addition, you will need demonstrable experience in using Microsoft Office products, specifically including Microsoft Excel.
What is equally important is that you adopt a collaborative approach, are good at problem solving and able to work with a wide range of business stakeholders. It would be advantageous if you have experience in management information and commonly used risk metrics, alongside proficiency in programming languages such as SQL and Python. Experience with Microsoft Power BI and the Databricks platform, as well as expertise in data aggregation, manipulation, and utilisation to drive meaningful insights would also be beneficial.
What’s in it for you…
As well as a competitive salary (up to £37,000 dependent on experience), we offer an annual performance related bonus (up to 10% of base salary) based on individual and company performance. In addition, a generous contributory pension scheme through Hargreaves Lansdown, life assurance, 25 days annual leave (plus bank holidays on top) with the option to buy/sell up to 5 additional days (terms apply). In addition, you will receive an extra day paid annual leave for Volunteering.
Wellbeing is also high on our agenda, and we offer private healthcare through Equipsme. In addition, all colleagues have free access to BHFS Rise EAP to support their health and wellbeing. We also offer free eye test vouchers and discounted gym membership, and if that’s not enough, we also offer season ticket travel loans (if applicable).
Caught your attention? If so, we’d love to talk to you and tell you more about what it’s like to work at Castle Trust Bank – The Place To Work!
Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit.
We are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities, please contact.
Credit Risk Analyst – London employer: Castle Trust Group
Contact Detail:
Castle Trust Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Analyst – London
✨Tip Number 1
Network like a pro! Reach out to current employees at Castle Trust Bank on LinkedIn. A friendly chat can give you insider info and might just get your foot in the door.
✨Tip Number 2
Prepare for the interview by brushing up on your credit risk knowledge. Be ready to discuss how you can contribute to their credit risk strategy and share examples of your analytical skills.
✨Tip Number 3
Show off your tech skills! If you've got experience with SQL, Python, or Power BI, make sure to highlight that during your conversations. It’s a big plus for the role!
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re serious about joining the team.
We think you need these skills to ace Credit Risk Analyst – London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Analyst role. Highlight your relevant experience in credit risk, data analysis, and any specific tools or programming languages mentioned in the job description. We want to see how your skills align with what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk and how you can contribute to our team at Castle Trust Bank. Be sure to mention any standout achievements that demonstrate your analytical skills and collaborative approach.
Showcase Your Analytical Skills: In your application, don’t forget to showcase your analytical skills. Provide examples of how you've used data to make decisions or influence outcomes in previous roles. We love seeing candidates who can spot trends and provide actionable insights!
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, you’ll get to explore more about what we do at Castle Trust Bank!
How to prepare for a job interview at Castle Trust Group
✨Know Your Numbers
As a Credit Risk Analyst, you'll be dealing with data all the time. Brush up on your numerical skills and be ready to discuss how you've used data analysis in previous roles. Prepare examples of how you've spotted trends or anomalies in data and what actions you took.
✨Master Microsoft Excel
Since proficiency in Microsoft Excel is crucial for this role, make sure you're comfortable with advanced functions and data manipulation techniques. Consider doing a quick refresher course or practice using Excel to analyse sample datasets before your interview.
✨Communicate Effectively
Strong communication skills are key in this role. Think about how you can convey complex information clearly to different stakeholders. Prepare to share examples of how you've influenced decisions or collaborated with teams in the past.
✨Show Your Tech Savvy
Familiarity with programming languages like SQL and Python is a plus. If you have experience with these, be ready to discuss specific projects where you used them. If not, consider learning some basics to show your willingness to adapt and grow in the tech space.
