Credit Risk Contractor in Leeds

Responsibilities

• To support the delivery of a robust and forward-looking Credit Risk framework through high-quality analysis, insight and modelling support, with a particular focus on stress testing, forecasting and ICAAP.
• The role is responsible for contributing to the assessment of portfolio resilience under a range of economic scenarios, ensuring that outputs are well understood, appropriately challenged, and effectively communicated to support risk appetite, strategy and regulatory obligations.

Qualifications, Skills & Experience

• Educated to degree level in a numerate subject or holds an equivalent professional qualification.
• Strong understanding of financial planning and forecasting disciplines.
• Detailed understanding of IFRS9 and experience of delivering stress testing, forecasting or ICAAP exercises.
• Demonstrable experience in credit risk modelling
• Experience within Credit Risk in financial services, ideally mortgages or retail lending.
• Strong analytical capability with experience using tools such as SQL, SAS, Python or equivalent.
• Good understanding of credit risk drivers, including affordability, LTV and macroeconomic linkages.
• Knowledge of risk appetite frameworks and credit strategy design.
• Understanding of regulatory frameworks relating to capital and credit risk (e.g. ICAAP, PRA expectations).
• Ability to interpret and communicate complex analysis clearly to non-technical stakeholders.
• Strong attention to detail and ability to manage multiple priorities