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- Tasks: Analyse credit risk and optimise decision strategies while collaborating with a supportive team.
- Company: Join FGH, a dynamic retail business transforming into a modern digital retailer.
- Benefits: Enjoy hybrid working, competitive salaries, 33 days holiday, and incredible staff discounts.
- Why this job: Kickstart your analytical career in a culture of innovation and inclusivity.
- Qualifications: Recent graduates with a passion for data analysis are encouraged to apply.
- Other info: Flexible working options available; perfect for balancing work and life.
The predicted salary is between 28800 - 48000 £ per year.
Join to apply for the Credit Risk Analyst role at FGH (Freemans Grattan Holdings)
Join to apply for the Credit Risk Analyst role at FGH (Freemans Grattan Holdings)
Graduate Credit Risk Analyst
FGH Business Centre 66-70 Vicar Ln, Bradford BD1 5AJ
Hybrid flexibility: 2 office days per week
Are you a recent graduate with a passion for data analysis? Are you looking for an opportunity to start your analytical career?
Graduate Credit Risk Analyst
FGH Business Centre 66-70 Vicar Ln, Bradford BD1 5AJ
Hybrid flexibility: 2 office days per week
Are you a recent graduate with a passion for data analysis? Are you looking for an opportunity to start your analytical career?
Now is a fantastic time to join our Financial Services Team within a dynamic retail business as we embark on an exciting period of transformation and growth. Working collaboratively with our supportive team of fraud and credit risk experts you will have the opportunity to further develop and enhance your analytical skills.
Innovation is key as we look for new ideas which will improve the customer experience and our business processes.
About The Role
You will 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.
What You’ll Do
- 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 the fair treatment of 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
About You
ABOUT US: FGH Financial Services
As a growing business innovating in a number of sectors, Financial Services plays a crucial role in the success of FGH, providing robust processes and ensuring that business decisions are made on the soundest possible management information.
For over 100 years, Freemans has been at the forefront of home shopping, delivering quality products and exceptional service. We’ve accepted the challenge to transform our business into a modern, digital-first retailer.
Based in West Yorkshire and part of the OTTO group one of the world’s largest online retail organisations, Freemans Grattan Holdings (FGH) is the home of familiar brands such as Freemans, Grattan, Kaleidoscope, and Curvissa.
What We Offer You
FLEXIBILITY
We offer a range of hybrid and flexible working options to help you achieve a healthy work life balance. Our full time head office colleagues work a minimum of 2 days per week in the office, allowing the perfect balance between collaborative in-person team work and the flexibility to work from home.
TRAINING & DEVELOPMENT
Turning your job into a career is a real passion for us and our development programmes will enable you to grow in role.
We offer clear career pathways that will show you the way, outlining the skills, behaviours and knowledge needed to perform at the next step.
We invest in our colleagues, giving them all the opportunity to progress. Our inspired leadership programme is aimed at equipping our future leaders to coach, develop, manage change and maintain situational awareness.
INCLUSIVITY
As a business, we depend on a fusion of identities, characteristics, backgrounds, and cultures to fully appreciate our people and our customers. Freemans has a long-standing commitment to ensuring fairness and balance.
Our company is an inclusive organisation where everybody can make the most of their talent and abilities. Our pay, reward, and progression approach is based solely on fairness and merit.
Our values and policies ensure that all colleagues receive fair and equitable treatment. We work hard to attract the very best talent, develop our workforce and create a culture of fairness and integrity for all.
Benefits
We firmly believe that we should reward our brilliant people with extensive benefits to help them stay healthy, relax and re-energise, have fun, manage the day-to-day and plan for the future. Here are just some of our great benefits:
- Competitive salaries and annual bonus scheme
- 33 Days holiday including bank holidays
- Healthcare cash plan
- Competitive pension scheme
- Life assurance
- Paid paternity and maternity leave
- Incredible staff discounts
- Subsidised Canteen
Ready to apply?
If you’re excited about this opportunity and want to join FGH, click apply now to send us your application.
Further information
Seniority level
-
Seniority level
Internship
Employment type
-
Employment type
Full-time
Job function
-
Job function
Finance and Sales
-
Industries
Retail
Referrals increase your chances of interviewing at FGH (Freemans Grattan Holdings) by 2x
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Credit Risk Analyst employer: FGH (Freemans Grattan Holdings)
Contact Detail:
FGH (Freemans Grattan Holdings) Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Analyst
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk analysis and data analytics. This will not only help you during interviews but also show your genuine interest in the field.
✨Tip Number 2
Network with professionals in the financial services sector, especially those working in credit risk. Attend industry events or join relevant online forums to make connections that could lead to referrals.
✨Tip Number 3
Prepare to discuss specific analytical tools and software you are familiar with, such as Excel, SQL, or any statistical software. Being able to demonstrate your technical skills can set you apart from other candidates.
✨Tip Number 4
Research FGH's values and recent initiatives in credit risk management. Tailoring your conversation to align with their goals can show that you are a good cultural fit for the team.
We think you need these skills to ace Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant skills and experiences that align with the Credit Risk Analyst role. Focus on any data analysis projects or coursework you completed during your studies.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for data analysis and your understanding of credit risk management. Mention specific examples of how your skills can contribute to FGH's goals.
Highlight Analytical Skills: In your application, emphasise your analytical skills and any experience with statistical analysis or coding. This is crucial for the role, so provide concrete examples of your work in these areas.
Show Enthusiasm for the Company: Demonstrate your knowledge about FGH and its commitment to innovation and inclusivity. Express why you want to be part of their team and how you align with their values.
How to prepare for a job interview at FGH (Freemans Grattan Holdings)
✨Show Your Analytical Skills
As a Credit Risk Analyst, your ability to analyse data is crucial. Be prepared to discuss any relevant projects or coursework that demonstrate your analytical skills. Highlight specific tools or methodologies you used in your studies.
✨Understand Credit Risk Fundamentals
Familiarise yourself with the basics of credit risk management and consumer credit regulations. Being able to discuss these topics will show your genuine interest in the role and your readiness to contribute to the team.
✨Prepare for Technical Questions
Expect technical questions related to statistical analysis and credit decision strategies. Brush up on your knowledge of statistical methods and be ready to explain how you would apply them in real-world scenarios.
✨Demonstrate Team Collaboration
Since the role involves working closely with a team of experts, be ready to share examples of how you've successfully collaborated in the past. Emphasise your communication skills and your ability to work well in a team environment.
