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- Tasks: Track bad debt performance and maintain financial models to improve accuracy.
- Company: Join BNP Paribas Personal Finance, a global leader in consumer finance solutions.
- Benefits: Enjoy flexible working, competitive salary, health plans, and lifestyle perks.
- Why this job: Make a positive impact while developing your skills in a supportive team environment.
- Qualifications: Experience in SAS Base/SQL, risk management, and data analysis is essential.
- Other info: We welcome applicants with transferable skills; confidence is key!
The predicted salary is between 43200 - 72000 £ per year.
Social network you want to login/join with:col-narrow-leftClient:BNP Paribas Personal FinanceLocation:bedford, United KingdomJob Category:Other-EU work permit required:Yescol-narrow-rightJob Views:5Posted:22.08.2025Expiry Date:06.10.2025col-wideJob Description:Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleaguesHours: Full time, Permanent______________________________________________A bit about us:At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.The Role:Assist in tracking the bad debt performance against forecasts on a monthly and ad hoc basis to identify variations and carry out root cause analysis. This includes maintaining IFRS9 models and recalculating provision rates for all BNP Paribas PF UK portfolios.Identifying ways to improve the accuracy of the provisioning models, providing information, analysis and technical support for the development of loss forecast models.To supervise risk analysts as requested, taking responsibility for the work that they undertake.The Risk anticipation team are a crucial aspect of risk informing the business of current, past and future credit risk performance in line with the accounting and BNP Paribas group standards and this role is a key component of that team.Key Responsibilities:Assist in the monitoring of all models against forecast to identify adversities.Provide root cause and investigative analysis on a regular basisSupply management reports, which evaluate the Cost of Risk of the BNP Paribas PF.Provide month end results, balance structures and report Internally, to group and regulators in a timely and accurate mannerCommunicate effectively with the different stakeholders, including IT, other business units and/or Group to ensure the projects are progressing correctly.Perform the economical valuations of Non-performing Loans portfolios to assess potential debt salesSkills & Attributes:Proven experience in SAS Base / SQL or similar programming languageExisting knowledge of credit bureau data and products.Proven experience in Risk Management or a data analysis functionPrior knowledge of forecastingHigh level of accuracy and attention to detailAbility to communicate and influence all levels of management and work with other departmentsWhat’s in it for you?Joining BNP Paribas Personal Finance means becoming part of a Top Employer UK dedicated to making a difference to the lives of our customers. Along with a fulfilling career, you\’ll be able to enjoy a benefits package which you can tailor to your lifestyle and needs, with key highlights including;Competitive salary and a contributory pension schemeAccess to our Health Cash Plan SchemeA multi-award-winning flexible benefits platform offering life insurance, private medical insurance, or lifestyle benefits that include discounts on dining, cinema, and days outThe opportunity to buy and sell holidays, giving you even more control over your work-life balanceCould this be you?Making a positive impact is at the heart of everything we do – whether for our colleagues, customers, partners, or the community. We live by our values: We’re positive, we’re brave, and we own it. We believe a positive attitude and a passion for making things happen matter most. Don’t let confidence hold you back – there’s no such thing as a ‘perfect’ candidate. If you meet 75% of the requirements for this role, we want to hear from you! Whether you\’re considering a career change or exploring a sector jump, we welcome applicants with transferable skills.Apply now to express your interest and discover how you can make a meaningful contribution to our dynamic team.To learn more about careers at BNP Paribas Personal Finance UK, visit our website: https://www.bnpparibas-pf.co.uk/careers.BNP Paribas Personal Finance promotes equality of opportunity and is committed to ensure that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation. #J-18808-Ljbffr
Senior Credit Risk Analyst - Risk Anticipation employer: JobLeads GmbH
Contact Detail:
JobLeads GmbH Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst - Risk Anticipation
✨Tip Number 1
Familiarise yourself with IFRS9 models and the specifics of credit risk management. Understanding these concepts will not only help you in interviews but also demonstrate your commitment to the role.
✨Tip Number 2
Network with current or former employees of BNP Paribas Personal Finance on platforms like LinkedIn. Engaging with them can provide insights into the company culture and expectations, which can be invaluable during your application process.
✨Tip Number 3
Brush up on your SAS Base and SQL skills, as these are crucial for the role. Consider taking a short online course or working on personal projects that involve data analysis to showcase your proficiency.
✨Tip Number 4
Prepare to discuss your experience with root cause analysis and how you've applied it in previous roles. Being able to articulate specific examples will set you apart from other candidates.
We think you need these skills to ace Senior Credit Risk Analyst - Risk Anticipation
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk analysis, data management, and any programming skills like SAS Base or SQL. Use keywords from the job description to align your qualifications with what BNP Paribas Personal Finance is looking for.
Craft a Compelling Cover Letter: In your cover letter, express your passion for risk management and how your previous experiences have prepared you for this role. Mention specific achievements that demonstrate your ability to improve provisioning models and conduct root cause analysis.
Showcase Your Analytical Skills: Provide examples of past projects where you successfully tracked performance metrics or conducted detailed analyses. Highlight your attention to detail and ability to communicate findings effectively to various stakeholders.
Prepare for Potential Questions: Think about how you would answer questions related to your experience with forecasting and risk management. Be ready to discuss how you can contribute to the team’s goals and improve the accuracy of provisioning models.
How to prepare for a job interview at JobLeads GmbH
✨Understand the Role
Make sure you thoroughly understand the responsibilities of a Senior Credit Risk Analyst. Familiarise yourself with key concepts like IFRS9 models, bad debt performance tracking, and root cause analysis. This will help you answer questions confidently and demonstrate your knowledge.
✨Showcase Your Technical Skills
Since the role requires experience in SAS Base, SQL, or similar programming languages, be prepared to discuss your technical skills. Bring examples of how you've used these tools in previous roles, especially in risk management or data analysis.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions that assess your problem-solving abilities. Think of past experiences where you identified issues in credit risk models or improved forecasting accuracy, and be ready to explain your thought process and outcomes.
✨Communicate Effectively
Effective communication is crucial in this role, as you'll need to liaise with various stakeholders. Practice articulating complex ideas clearly and concisely, and be prepared to discuss how you've influenced decisions in previous positions.
