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- Tasks: Lead credit risk analytics and develop statistical models for innovative lending strategies.
- Company: Join a dynamic banking sector team focused on credit risk analytics.
- Benefits: Competitive salary, professional development, and opportunities for international collaboration.
- Why this job: Make a real impact in credit risk while mentoring junior analysts and enhancing your skills.
- Qualifications: 6-10 years in analytics or credit assessment, with a strong quantitative background.
- Other info: Work in a pan-European team with excellent career growth potential.
The predicted salary is between 43200 - 72000 ÂŁ per year.
We are seeking a talented Principal Credit Risk Analyst to join our growing Credit Risk Analytics team. This role is specifically designed for professionals with 6-10 years of experience in the lending industry who are looking to develop their career in credit risk analytics and statistical modelling within the banking sector.
Please note: This position is for a Principal Credit Risk Analyst role focused on credit risk assessment and modelling, not financial analysis.
About the Role
As a Principal Credit Risk Analyst, you will contribute to the development, daily management and enhancement of our credit risk analytics capabilities. This is an excellent opportunity for someone with experience in unsecured lending to get wider exposure and larger remit (affordability strategy including use of Open Banking and other alternative data sources, underwriting scorecards and credit strategy, pricing models and strategies, low and grow strategies, pre-collection strategies, launch of new credit products) whilst working with cutting‑edge statistical models, data‑driven insights and best‑in‑class datasets.
The role focuses on the UK market and requires experience of the UK lending landscape, but you will have the opportunity to work in a pan‑European team and get exposure to credit risk analytics across our international markets including Germany, Austria, Norway, Spain, Italy, and other European markets.
The role is ideal for a very experienced analyst who wants to stay hands‑on while developing their mentoring/supervising and DS/analytical product management skills.
Key Responsibilities
- Data Analysis & Insights: Own end‑to‑end strategies for specific population segments. Collect, analyse and interpret data from multiple sources including internal systems, open banking and Credit Reference Agencies (CRAs) to identify trends, patterns and opportunities that inform credit policy, credit limit and pricing strategies.
- Model Development: Develop and maintain statistical models, including scorecards, ML models and other credit risk assessment tools.
- Stakeholder Collaboration: Provide clear, actionable insights and recommendations to stakeholders across the business, supporting informed decision‑making and business growth.
- Cross‑functional Teamwork: Work collaboratively with colleagues in the decision sciences and analytics team, as well as other departments across different locations.
- Communication & Reporting: Present complex analytical findings to both technical and non‑technical audiences through clear presentations, reports and data visualisations.
- Mentoring: Mentor and supervise junior analysts on model and strategy development projects, and Python model pipeline development.
Essential Requirements
- Bachelor degree in Mathematics, Statistics, Economics, Physics, Computer Science, Engineering or related quantitative discipline from a well‑regarded university.
- 6-10 years of experience in analytics, data analysis or lending/credit assessment within the financial services sector.
- Previous experience working for an unsecured lender, preferably on Credit Card products.
Principal Credit Risk Analyst in London employer: TF Bank
Contact Detail:
TF Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Principal Credit Risk Analyst in London
✨Tip Number 1
Network like a pro! Reach out to your connections in the lending industry and let them know you're on the hunt for a Principal Credit Risk Analyst role. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Get your LinkedIn game on point! Make sure your profile showcases your experience in credit risk analytics and statistical modelling. Join relevant groups and engage with posts to increase your visibility in the industry.
✨Tip Number 3
Prepare for interviews by brushing up on your technical skills and understanding of the UK lending landscape. Be ready to discuss your experience with data analysis, model development, and how you've contributed to credit strategies in the past.
✨Tip Number 4
Don't forget to apply through our website! We love seeing applications from talented individuals like you. Plus, it gives us a chance to see your enthusiasm for joining our Credit Risk Analytics team.
We think you need these skills to ace Principal Credit Risk Analyst in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Principal Credit Risk Analyst role. Highlight your experience in credit risk analytics and any relevant statistical modelling skills. We want to see how your background fits with what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk analytics and how your experience aligns with our needs. Keep it engaging and make it personal – we love to see your personality come through!
Showcase Your Data Skills: Since this role involves a lot of data analysis, be sure to showcase your analytical skills and any tools or programming languages you’re proficient in. Mention specific projects where you've used these skills to drive results – we want to know what you can bring to the table!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us that you’re genuinely interested in joining our team at StudySmarter!
How to prepare for a job interview at TF Bank
✨Know Your Numbers
As a Principal Credit Risk Analyst, you'll need to demonstrate your analytical prowess. Brush up on key metrics and statistical models relevant to credit risk assessment. Be ready to discuss how you've used data to drive decisions in previous roles.
✨Showcase Your Experience
With 6-10 years of experience in the lending industry, make sure to highlight specific projects where you developed or enhanced credit risk models. Use examples that showcase your understanding of the UK lending landscape and how it applies to the role.
✨Prepare for Stakeholder Scenarios
Expect questions about how you would communicate complex findings to non-technical stakeholders. Prepare examples of how you've successfully collaborated with cross-functional teams and provided actionable insights that influenced business strategies.
✨Mentorship Matters
Since mentoring junior analysts is part of the role, think about your past experiences in guiding others. Be prepared to discuss your approach to mentorship and how you’ve helped develop skills in less experienced team members.
