At a Glance
- Tasks: Develop and manage credit risk models while providing strategic insights.
- Company: Join a leading financial institution focused on innovation and analytics.
- Benefits: Competitive salary, professional development, and a dynamic work environment.
- Other info: Fixed-term contract for 24 months with excellent career growth potential.
- Why this job: Make a real impact in credit risk management and shape financial strategies.
- Qualifications: Experience in credit risk analytics and strong analytical skills required.
The predicted salary is between 55000 - 65000 € per year.
In this role, you will partner closely with the Credit Risk Model Owner and Analytics Manager to oversee the full lifecycle of our credit risk models—from scorecards to IFRS9/ECL models—and 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 judgement 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.
Requirements
- 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.
Senior Credit Risk Analyst in Biggleswade employer: Ford Motor Company
As a Senior Credit Risk Analyst at our esteemed financial institution, you will be part of a dynamic team that values innovation and collaboration. We offer a supportive work culture that prioritises professional development, providing you with opportunities to enhance your skills and advance your career in the heart of the UK’s financial sector. With a commitment to employee well-being and a focus on impactful decision-making, this role is not just a job; it's a chance to contribute meaningfully to our organisation's success while enjoying a balanced work-life environment.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Risk Analyst in Biggleswade
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance and analytics sectors. Attend industry events or webinars where you can meet potential employers or colleagues. Remember, sometimes it’s not just what you know, but who you know that can help you land that Senior Credit Risk Analyst role.
✨Tip Number 2
Show off your skills! Prepare a portfolio showcasing your previous work on credit risk models, analytics projects, or any relevant case studies. This will give you an edge during interviews and demonstrate your hands-on experience with Scorecards and ECL/IFRS9 models.
✨Tip Number 3
Practice makes perfect! Conduct mock interviews with friends or mentors to refine your communication skills. Be ready to explain complex modelling concepts in simple terms, as this is crucial for collaborating with non-technical stakeholders.
✨Tip Number 4
Don’t forget to apply through our website! We’ve got loads of opportunities waiting for you. Tailor your application to highlight your analytical insights and experience in credit risk model development, and let us see how you can make a real impact!
We think you need these skills to ace Senior Credit Risk Analyst in Biggleswade
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Senior Credit Risk Analyst role. Highlight your experience with credit risk models, especially Scorecards and ECL/IFRS9 models. We want to see how your skills align with what we’re looking for!
Showcase Your Analytical Skills:In your application, don’t just list your skills—show us how you’ve used them! Provide examples of how you've turned complex datasets into actionable insights. This will help us see your analytical prowess in action.
Communicate Clearly:Since communication is key, make sure your written application is clear and concise. Use straightforward language to explain your experience and how it relates to the role. We appreciate clarity, especially when discussing complex topics!
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’re considered for the role. Don’t miss out on this opportunity!
How to prepare for a job interview at Ford Motor Company
✨Know Your Models Inside Out
Make sure you have a solid understanding of credit risk models, especially Scorecards and ECL/IFRS9. Be prepared to discuss your experience with these models in detail, including any challenges you've faced and how you overcame them.
✨Showcase Your Analytical Skills
Prepare to demonstrate how you've turned complex datasets into actionable insights. Bring examples of your past work where your analysis led to strategic recommendations, and be ready to explain your thought process clearly.
✨Communicate Like a Pro
Since you'll need to explain complex concepts to non-technical stakeholders, practice simplifying your explanations. Use relatable analogies or examples to make your points clear and engaging during the interview.
✨Stay Updated on Regulations
Familiarise yourself with the latest regulatory standards related to credit risk, particularly IFRS9 and US GAAP. Being able to discuss how these regulations impact model development and risk management will show your depth of knowledge and commitment to the role.
