Credit Risk Analyst

Overview

Hours: Full time, 35 hours. Flexible and hybrid working. Ideally, 1-2 days per week at our Head Office in Skipton.
Salary: £34,500 Per Annum

Closing Date: Mon, 13 Oct 2025

We are looking for an individual who loves to learn. You will become part of our Credit Risk Oversight team – understanding our customer’s mortgage risk to support people have a home. In this role, you\\\’ll work with others in our credit risk team – working on a variety of analytics and running regular process. Your training will be supported, where you will develop your expertise, working with our mortgage data and writing committee reports. You will have the opportunity to regularly engage with a variety of teams across the Society – evolving our technology and decision making.

Who Are We?

Not just another building society. Not just another job. We\\\’re the fourth biggest building society in the UK and what makes us a bit different is that we\\\’re a mutual organisation. We don\\\’t have shareholders; we\\\’re owned by our members. Our colleagues say Skipton\\\’s a great place to work, and you could be one of them, bringing with you new ideas on how we can keep customers at the heart of what we do. Whatever your background, and whatever your goals, we\\\’ll help you take the next step towards a better future.

The Credit Risk Oversight team, of 15 individuals, is part of the Group Risk function. Our core role is to support our purpose to help more people to have a home, by applying a proactive and sustainable risk management approach. We work across the Society and more specifically, we support our Homes Business. We encourage individuals to make decisions and challenge the status quo – to ensure long-term financial resilience and a risk aware culture.

What Will You Be Doing?

• Collaborate – Work flexibly within the Credit Risk Oversight team, supporting colleagues and contributing to innovation and change. Opportunities to liaise with stakeholders across the Group Risk Function, as well as the Homes business.
• Unlock the Power of Data – Run and produce regular management information and use analytical tools (e.g. SQL, SAS, PowerBI, R) and decision engines. Derive insight and action from data.
• Influence Committees – Play a role in shaping analysis and papers that inform strategic decisions.
• Expand Your Expertise – Be involved in critical areas from mortgage lending, product design to credit management activities.
• Deepen Your Knowledge – Your development will be supported, and you will have the opportunity to spend time learning and develop in new areas.
• This is your chance to make a real difference in how we approach credit risk —bringing together analytics, strategic thinking and teamwork.

What Do We Need From You?

• Skills
  • Ability to think in a structured and logical manner.
  • Ability to analyse information and have a good level of numeracy.
  • Sound working knowledge of MS Excel.
  • Good communication and time management skills.
  • Keen to learn and develop in an analytical environment.
  • Ability to work flexibly in a team environment.
  • Manage own elements of work.
• Knowledge
  • An awareness of mortgage regulation and a general understanding of mortgages or credit risk.
• Experience
  • Ideally have some experience of working in a risk or credit/lending environment.
  • Ideally to have experience in working with data, conducting analysis and coding. For example potential experience in using coding packages (e.g. SQL, SAS, Python or R), analytical and data visualisation tools (e.g. Excel, PowerBI), decision engines or analytical platforms such as Databricks.

What’s In It For You?

Skipton values a work/life balance and we are proud to support hybrid and flexible working. We have a newly refurbished head office which offers a vibrant and collaborative working space.

• Range of benefits including:
  • Annual discretionary bonus scheme
  • 25 days standard annual leave + bank holidays + rising 1 day per year of service to a maximum of 30 days
  • Holiday trading scheme allowing the ability to buy and sell additional annual leave days
  • Matching employer pension contribution (up to 10% per annum)
  • Colleague mortgage (conditions apply)
  • Salary sacrifice scheme for hybrid & electric car
  • A commitment to training and development
  • Private medical insurance for all our colleagues
  • 3 paid volunteering days per annum
  • Diverse and inclusive colleague networks available for you to join including our Carers and Pride Alliance groups
  • We care about your health and wellbeing – we provide a range of benefits that support this including cycle to work initiative and discounted gym membership

Ready to make an impact? Apply today and take the next step in your career with us – where your skills will be valued, your growth supported, and your contributions matter.