Credit Risk Analyst- Scorecards in Slough

Credit Risk Analyst- Scorecards

£50K + car scheme options

Very flexible hybrid working

• Motor finance experience strongly preferred
• Scorecard development experience is essential

Main Responsibilities

• To provide daily operational support in the management of the Retail portfolio
• Portfolio Health Monitoring – Track delinquency, arrears, write-offs and overall cost of risk; flag deteriorating segments promptly
• Risk Dashboards – Build and maintain dashboards and management information on key risk indicators, affordability and underwriting performance
• Policy & Process Optimization – Propose and implement changes to credit policy, underwriting rules and the decision engine to balance approval rates with expected loss
• Risk Budgeting & Provisioning – Contribute to risk budgets, forecasts and the calculation / validation of specific and general provisions
• Regulatory & Investor Reporting – Prepare FCA affordability reports, monthly management packs and historical securitization data for investors
• Cross-Functional Collaboration – Work with Underwriting, Collections, Finance and other stakeholders to drive remedial actions on high-risk accounts and improve end-to-end credit quality
• Present in the bi‑monthly Credit Committee to Senior Management Team on any related Credit topics
• Recommending changes to Credit Policy to hit Und…