Senior Analyst - Portfolio Risk Management

Hours:

Full time, 35 hours. Flexible and hybrid working. Ideally, 1-2 days per week at our Head Office in Skipton.

Salary:

£46,150 Per Annum

Closing Date:

Mon, 13 Oct 2025

This is a great opportunity for an individual with a keen interest in continuing to develop their technical capability in credit risk management. We are recruiting a Senior Credit Risk Analyst position in the Credit Risk Oversight team.

You will apply your breadth of experience in credit risk and your analytical capability to understand emerging credit risk trends and evolve our credit risk capability.

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 support people have a home.

What Will You Be Doing?

The key purpose of this role is to conduct credit risk analytics and support business critical processes to understand and manage our credit risk. You will have a good knowledge of relevant regulation, credit risk models and key business processes in financial services.

You will support analysis of the portfolio and provide effective oversight of strategic business decisions. The responsibilities may include aspects such as reviewing the Credit Risk Appetite, developing new strategies (lending or credit management), enhancing monitoring and MI, benchmarking, reviewing new data sources and supporting the on-going management of our credit risk models. You will have the experience and confidence to produce independent analytics, committee reports and support larger projects.

You will have the opportunity to present at committee and regularly engage with our Homes business and enabling functions.

You will work on a variety of topics, working closely with others in Credit Risk Oversight and wider Group Risk, sharing knowledge and expertise, evolving our team\\\’s capability and culture.

What Do We Need From You?

Skills

• Promote a working environment that values, encourages and supports difference.
• Be curious by asking questions and demonstrating positive and healthy challenge.
• Effective commercial acumen and the ability to manage credit risk whilst understanding the commercial objectives and challenges.
• Engage with stakeholders, role modelling the Society\\\’s values and behaviours.
• Highly numerate and extensive experience in using coding packages (e.g. SQL, SAS, Python, R), analytical and data visualisation tools (e.g. Excel, Power BI) and platforms such as Databricks, with the ability to guide and support others.
• Experience in working with complex customer level data.
• Drive your personal development, supported by the Society investment in training time and resources.

Knowledge

• Sound understanding of the Financial Services sector; mortgages or unsecured lending.
• Good understanding of regulatory models or a variety of business models (such as application scoring, IRB models, climate and forecasting etc).
• Excellent awareness of the external environment, with a good understanding of credit risks.
• Excellent analytical skills, conducting analytics or challenging process/decisions.

Experience

• Typical experience in an analytical or risk environment of at least 3 years.
• Experience in engaging with stakeholders and presenting complex concepts in a way that is tailored to the audience.
• Experience working in an analytical role, delivering a range of technical work.
• Working closely with a variety of models for business decisions.

What’s In It For You?

Skipton values 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.

We have a range of other benefits available to you 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.