At a Glance
- Tasks: Lead statistical analysis to optimise credit decision strategies and processes.
- Company: MERJE, a dynamic company in West Yorkshire focused on credit risk.
- Benefits: Competitive salary based on skills, with opportunities for growth and development.
- Other info: Collaborative environment with a focus on continuous improvement and compliance.
- Why this job: Make a real impact by driving improvements in credit risk analysis and decision-making.
- Qualifications: 5+ years in data analytics with strong knowledge of credit systems and regulations.
The predicted salary is between 50000 - 60000 £ per year.
MERJE is seeking a Credit Risk Analyst based in West Yorkshire, United Kingdom. The role focuses on leading statistical analysis to review and optimise credit decision strategies, processes and models; undertaking ad-hoc analysis to inform business decisions and investigate risk issues; planning and leading analytical projects to ensure timely delivery and quality. You will also lead the implementation of approved changes to the credit decisioning systems, develop new management information (MI) reports, interpret MI to identify trends and opportunities, support cross-department projects with credit risk expertise, provide training for senior/credit risk analysts, and drive continuous improvement. You will ensure compliance with all applicable UK and local regulations, Company Policies and FCA Conduct Rules.
Responsibilities
- Define and lead statistical analysis to review and optimise credit decision strategies, processes and models.
- Undertake ad-hoc analysis to inform business decisions and investigate specific risk issues.
- Plan and lead analytical projects ensuring timescales are met and quality is maintained.
- Lead the implementation of approved changes to the credit decisioning systems, acting as primary credit contact.
- Plan and lead the development of new MI reports to meet business needs.
- Interpret MI to identify emerging trends, risks and opportunities. Communicate these to senior management to inform and influence business decisions.
- Support business wide projects and other departments with credit risk expertise and analysis.
- Provide support and training for senior/credit risk analysts.
- Identify and implement continuous improvement initiatives to increase efficiency, resolve issues and/or improve business performance.
- Ensure compliance with all applicable UK and local regulations, Company Policies and FCA Conduct Rules.
Key Requirements
- Minimum 5 years’ experience in data analytics.
- In depth knowledge of the credit customer lifecycle.
- Good working knowledge of credit systems and data.
- Good understanding of Credit Reference Agency data and its application.
- Awareness of applicable consumer credit regulation.
- Advanced skills in data manipulation and analytical techniques.
- Ability to derive and communicate insight from data/Management Information.
- Competent in Microsoft Office, Advanced Excel.
- Advanced SAS/SQL capability.
Contact
Send your CV to
Sponsorship
No sponsorship can be provided.
Lead Credit Risk Analyst in Bradford employer: MERJE
MERJE is an exceptional employer located in West Yorkshire, offering a dynamic work environment that fosters innovation and collaboration. With a strong focus on employee development, you will have ample opportunities for growth through training and involvement in cross-departmental projects. The company values compliance and quality, ensuring that you can contribute meaningfully while enjoying a supportive culture that prioritises continuous improvement.
StudySmarter Expert Advice🤫
We think this is how you could land Lead Credit Risk Analyst in Bradford
✨Join Compliance Communities
Get involved in compliance and risk communities — both online and offline. Look for forums, LinkedIn groups, or even local meetups where compliance pros hang out. You never know who might drop a job opportunity your way!
✨Attend Industry Conferences
Keep an eye out for compliance and risk management conferences and workshops in your area. These events are a goldmine for networking, and they often have job boards or recruiters on-site looking for new talent. Plus, it’s a chance to learn what's trending in the field.
✨Leverage Your University Career Services
If you’ve recently graduated or are still studying, head over to your university's career services. Many companies, including those in compliance, actively recruit fresh talent through these services, so make sure you tap into that resource.
✨Showcase Your Knowledge Online
Start writing articles or blog posts about compliance topics that interest you. Share them on platforms like LinkedIn to demonstrate your knowledge and passion. This not only builds your presence in the field but can also catch the attention of companies like MERJE looking for candidates who are engaged and informed.
We think you need these skills to ace Lead Credit Risk Analyst in Bradford
Some tips for your application 🫡
Show Your Understanding of Compliance:In the compliance-risk field, it's super important to showcase your understanding of regulations and risk management frameworks. Highlight any relevant coursework, certifications (like ICA or AML), or even projects that demonstrate your knowledge and commitment to this area. We want to see how you can navigate this complex landscape!
Quantify Your Achievements:When detailing your experience, try to quantify your achievements. For example, if you've previously worked on a project that improved compliance metrics or reduced risk exposure, give us the numbers! This data-driven approach really stands out to hiring managers in compliance-risk roles.
Tailor Your CV to Reflect Relevant Skills:Make sure your CV highlights skills that are particularly relevant to compliance, like attention to detail, analytical thinking, and report writing. Ensure these are easy to spot – consider using bullet points to break down your responsibilities and achievements for maximum impact!
Craft a Motivating Cover Letter:In your cover letter, let us know why you’re excited about the compliance-risk role at MERJE. Share what motivates you about compliance, and how you believe you can contribute to our mission. This is your chance to showcase not only your skills but also your passion for this important field!
How to prepare for a job interview at MERJE
✨Master the Regulations
Brush up on key compliance regulations relevant to the industry you're applying to. Familiarising yourself with specific laws and frameworks used in your field will give you an edge during technical questions. Show that you’re not just aware of them but can also apply them—think real-life scenarios!
✨Show Your Analytical Skills
Compliance roles really focus on analytical skills, so be prepared for case studies or situational questions during the interview. We've got to demonstrate how we approach risk assessments or compliance audits, possibly drawing on examples from past experiences or university projects. Bring some thoughtful case scenarios to discuss!
✨Know Your Tools
Get comfortable with commonly used compliance software and tools. Familiarity with platforms like RSA or MetricStream can really impress during your interview, as it shows you're ready to hit the ground running. If you’ve had any experience with them, make sure to highlight that!
✨Align with Company Culture
Since it's a full-time position, show your long-term commitment and interest in the company’s mission and values. Dive into how your ethics and professional philosophy align with MERJE’s stance on compliance. A shared vision can really resonate with interviewers looking for fit as much as skill!
