At a Glance
- Tasks: Drive credit risk excellence through model development and strategic analytics.
- Company: Join a leading financial institution committed to diversity and innovation.
- Benefits: Competitive salary, flexible working, and opportunities for professional growth.
- Other info: Fixed term contract with excellent career advancement potential.
- Why this job: Make a real impact on credit risk strategy and decision-making.
- Qualifications: Experience in credit risk modelling and strong analytical skills required.
The predicted salary is between 55000 - 65000 £ per year.
Drive insight. Shape strategy. Strengthen credit risk excellence. We’re looking for a highly skilled Senior Credit Risk Modelling & Analytics Specialist to play a pivotal role in delivering the technical and analytical foundations that underpin our Credit Risk function. In this role, you’ll partner closely with the Credit Risk Model Owner and Analytics Manager to oversee the full lifecycle of our credit risk models—ranging from scorecards to IFRS9/ECL models—and to ensure our credit analytics and portfolio insights are accurate, robust, and ready to guide senior leadership decision‑making. If you thrive at the intersection of data, modelling, and strategic insight, this role offers the opportunity to make a real impact. Please note this role is a Fixed Term Contract for 24 months.
What You Will Do
- Credit Risk Model Development & Lifecycle Management
- Provide expert technical support for the development, validation, and implementation of credit risk models (Scorecards, ECL/IFRS9), ensuring alignment with the Bank’s model risk management policies.
- Own the model lifecycle plan—coordinating independent validations, monitoring model performance, and ensuring ongoing fitness for purpose.
- Contribute to the development and application of Post‑Model Adjustments (PMAs) and management judgment overlays, supporting the Bank’s response to economic volatility and model risk.
- Portfolio Analytics & Strategic Management Information
- Track population stability and key customer characteristics to assess alignment between expected and actual loan portfolio performance.
- Lead analysis to determine Loss‑to‑Receivable (LTR) assumptions for pricing and loss reserving, supporting the Bank’s profitability goals.
- Conduct in‑depth analytics across customer credit profiles and key macroeconomic indicators to highlight emerging risks and opportunities.
- Policy Development & Stakeholder Collaboration
- Support the enhancement and implementation of credit risk policies aligned with strategy and regulatory expectations across the UK and European markets.
- Partner with first‑line operations and finance teams to streamline and integrate credit risk processes.
- Produce high‑quality technical documentation and insights for Bank Risk Committees.
Technical Expertise Minimum Requirements we seek:
- Established experience in credit risk model development or credit risk analytics within financial services, with hands‑on experience in Scorecards and ECL/IFRS9 models.
- Analytical Insight Ability to turn complex datasets into meaningful insights, clear trends, and strategic recommendations.
- Communication Skills Excellent written and verbal communication, with the confidence to explain complex modelling and analytics concepts to non‑technical stakeholders.
Desirable Skills & Experience
- Degree in Statistics, Mathematics, Economics, Finance, Data Science, or another quantitative discipline.
- Proficiency in SAS, SQL, Python, R, or data visualisation tools.
- Understanding of IFRS9 / US GAAP standards and the regulatory landscape for credit risk.
Additional Information
The Company is committed to diversity and equality of opportunity for all and is opposed to any form of less favourable treatment or harassment on the grounds of race, religion or belief, sex, marriage and civil partnership, pregnancy and maternity, age, sexual orientation, gender reassignment or disability. This position is based in Dunton, and it is expected the successful candidate will be able to attend the Dunton office for typically 4 days a week and remain flexible on the days they are required to attend the office according to business requirements. As part of our pre‑employment checks process, successful candidates will be required to undergo a criminal record check. This will be conducted in line with the Rehabilitation of Offenders Act 1974 and applied only to unspent convictions.
Senior Credit Risk Analyst in England employer: Ford Credit
Join a forward-thinking organisation that values innovation and collaboration, where your expertise as a Senior Credit Risk Analyst will directly influence strategic decision-making. With a strong commitment to employee development and a diverse work culture, you will thrive in our Dunton office, enjoying flexible working arrangements and opportunities for professional growth in the dynamic field of credit risk management.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Risk Analyst in England
✨Tip Number 1
Network like a pro! Reach out to folks in the credit risk space on LinkedIn or at industry events. A friendly chat can open doors that a CV just can't.
✨Tip Number 2
Show off your skills! Prepare a portfolio of your past projects, especially those involving scorecards and ECL models. This will give you a leg up when discussing your experience in interviews.
✨Tip Number 3
Practice makes perfect! Get comfortable explaining complex concepts in simple terms. You’ll need this skill when chatting with non-technical stakeholders during interviews.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining our team.
We think you need these skills to ace Senior Credit Risk Analyst in England
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Senior Credit Risk Analyst. Highlight your experience with credit risk models, especially Scorecards and ECL/IFRS9 models, and don’t forget to showcase your analytical skills and technical expertise.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for this role. Mention how your background aligns with our needs and how you can contribute to driving insight and shaping strategy in credit risk.
Showcase Your Communication Skills:Since you'll be explaining complex concepts to non-technical stakeholders, make sure your application reflects your ability to communicate clearly. Use straightforward language and provide examples of how you've done this in the past.
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates regarding your application status.
How to prepare for a job interview at Ford Credit
✨Know Your Models Inside Out
Make sure you’re well-versed in credit risk models, especially Scorecards and ECL/IFRS9. Brush up on the technical details and be ready to discuss your experience with model development and validation. This will show that you can hit the ground running.
✨Showcase Your Analytical Skills
Prepare to demonstrate how you turn complex datasets into actionable insights. Bring examples of past analyses where your findings influenced decision-making. This will highlight your ability to provide strategic recommendations based on data.
✨Communicate Clearly
Practice explaining complex concepts in simple terms. You’ll likely need to communicate with non-technical stakeholders, so being able to break down your work will be crucial. Think of ways to illustrate your points effectively.
✨Understand the Regulatory Landscape
Familiarise yourself with IFRS9 and the regulatory expectations for credit risk in the UK and Europe. Being knowledgeable about these standards will not only impress your interviewers but also show that you’re prepared to align with the company’s policies.
