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- Tasks: Own data analysis and credit risk strategies to enhance consumer lending portfolios.
- Company: Join Secure Trust Bank Group, an award-winning bank with a diverse and inclusive culture.
- Benefits: Competitive salary, skill development, and the chance to make a real impact.
- Why this job: Shape the future of lending while collaborating with a dynamic team.
- Qualifications: Experience in credit risk analysis and strong coding skills in SAS, Python, or SQL.
- Other info: Embrace diversity and thrive in a supportive environment focused on growth.
The predicted salary is between 36000 - 60000 £ per year.
Are you passionate about data‑driven decision‑making and delivering great outcomes for customers? We’re looking for a Credit Risk Analyst to join our team and play a key role in shaping the future of our consumer lending portfolios.
What you’ll be doing:
- Own the production of management information (MI) for our consumer lending portfolios, ensuring it’s timely, accurate, and fit for purpose.
- Design, implement, and monitor credit risk strategies that drive sustainable growth and customer success.
- Analyse portfolio performance, including delinquency and acceptance rates, and present actionable insights to senior stakeholders.
- Collaborate across teams to ensure fair and positive outcomes for customers.
- Support Finance in assessing retailer and introducer performance to determine product profitability.
- Drive automation in lending decisions to improve efficiency and customer experience.
What we’re looking for:
- Experience: Demonstrable years in a Credit Risk Analyst role, ideally within consumer finance.
- Technical Skills: Strong coding ability in SAS, Python, or SQL; proficient in Excel. Knowledge of Power BI or Tableau is a plus.
- Expertise: Familiarity with Credit Reference Agency data, credit risk strategy, scorecard development, and decision systems.
- Education: Degree in a business, IT, or mathematical discipline (or equivalent experience).
What makes you successful here:
- Analytical mindset with a problem‑solving approach.
- Ability to take ownership and deliver results from start to finish.
- Strong attention to detail and effective communication skills.
- Adaptability and a positive attitude toward change.
- Collaborative team player who adds value to projects.
Why join us?
We believe in creating an inclusive environment where everyone can thrive. You’ll have the opportunity to work on impactful projects, develop your skills, and contribute to strategies that make a real difference for our customers. Everyone is different. Everyone is valued. As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people and our strengths – specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate. Every one of our employees brings unique talent, ability and perspective to their role. That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are. We’re an award‑winning bank providing savings accounts and lending services to over one million customers. We’re Secure Trust Bank Group. We embrace difference.
Senior Credit Risk Analyst in Manchester employer: Secure Trust Bank PLC.
Contact Detail:
Secure Trust Bank PLC. Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst in Manchester
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by practising common questions and showcasing your analytical skills. Use real examples from your experience to demonstrate how you've tackled challenges in credit risk analysis.
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and career goals. Check out our website for roles that excite you and fit your skill set – we’d love to see your application!
✨Tip Number 4
Follow up after interviews with a thank-you note. It shows your appreciation and keeps you fresh in the interviewer's mind. Plus, it’s a great chance to reiterate your enthusiasm for the role!
We think you need these skills to ace Senior Credit Risk Analyst in Manchester
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experience mentioned in the job description. Highlight your coding abilities in SAS, Python, or SQL, and any relevant experience in consumer finance. We want to see how you can contribute to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about data-driven decision-making and how your analytical mindset aligns with our goals. Let us know how you can help shape the future of our consumer lending portfolios.
Showcase Your Achievements: When detailing your past roles, focus on specific achievements that demonstrate your ability to analyse portfolio performance and present actionable insights. We love seeing numbers and results, so don’t hold back!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen to join our team at StudySmarter!
How to prepare for a job interview at Secure Trust Bank PLC.
✨Know Your Numbers
As a Senior Credit Risk Analyst, you'll be expected to handle data like a pro. Brush up on your key metrics related to credit risk, such as delinquency and acceptance rates. Be ready to discuss how you've used these metrics in past roles to drive decisions and improve outcomes.
✨Show Off Your Technical Skills
Make sure you highlight your coding abilities in SAS, Python, or SQL during the interview. Prepare examples of how you've used these skills to automate processes or analyse data effectively. If you've worked with Power BI or Tableau, don’t forget to mention that too!
✨Communicate Clearly
Effective communication is key, especially when presenting insights to senior stakeholders. Practice explaining complex data in simple terms. Think about how you can convey your analytical findings in a way that resonates with non-technical team members.
✨Emphasise Collaboration
This role requires working across teams, so be prepared to discuss your experience in collaborative projects. Share examples of how you've worked with others to achieve positive outcomes for customers, and demonstrate your adaptability and positive attitude towards change.
