Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Drive credit risk excellence through model development and strategic analytics.
- Company: Join a diverse financial services company committed to equality and opportunity.
- Benefits: Competitive salary, flexible working, and opportunities for professional growth.
- Why this job: Make a real impact by shaping credit risk strategies and insights.
- Qualifications: Experience in credit risk modelling and strong analytical skills required.
- Other info: Work in a dynamic environment with a focus on collaboration and innovation.
The predicted salary is between 36000 - 60000 £ 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.
Responsibilities
- 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.
Qualifications
- Minimum Requirements we seek:
- Technical Expertise: 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 Basildon employer: Ford
Contact Detail:
Ford Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst in Basildon
✨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 lead to opportunities that aren’t even advertised yet.
✨Tip Number 2
Show off your skills! Prepare a portfolio of your past projects, especially those involving credit risk models and analytics. This will give you a leg up during interviews when you can demonstrate your expertise.
✨Tip Number 3
Practice makes perfect! Get ready for those tricky interview questions by doing mock interviews with friends or using online platforms. The more you practice, the more confident you'll feel.
✨Tip Number 4
Don’t forget to apply through our website! We’ve got loads of opportunities waiting for you, and applying directly shows your enthusiasm for joining our team.
We think you need these skills to ace Senior Credit Risk Analyst in Basildon
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, analytics, and any relevant technical skills. We want to see how your background aligns 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 your skills can contribute to our team. Keep it concise but impactful—show us your personality!
Showcase Your Analytical Skills: In your application, don’t forget to showcase your analytical prowess. Share examples of how you've turned complex data into actionable insights. We love seeing candidates who can make data-driven decisions!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of applications and ensures you get all the updates directly from us. Plus, it’s super easy!
How to prepare for a job interview at Ford
✨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.
✨Turn Data into Insights
Prepare to demonstrate how you've transformed complex datasets into actionable insights in your previous roles. Think of specific examples where your analytical skills led to strategic recommendations, as this is crucial for the role.
✨Communicate Like a Pro
Practice explaining complex modelling concepts in simple terms. You’ll likely need to communicate with non-technical stakeholders, so being able to convey your ideas clearly will set you apart from other candidates.
✨Stay Updated on Regulations
Familiarise yourself with the latest regulatory standards related to credit risk, particularly IFRS9 and US GAAP. Showing that you understand the regulatory landscape will demonstrate your commitment to compliance and risk management.