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- Tasks: Analyse credit risk and optimise lending strategies in a dynamic team.
- Company: Customer-centric client expanding into consumer finance.
- Benefits: Up to £60k salary, 27 days holiday, pension, BUPA, and birthday off.
- Other info: Flexible remote work with office presence just three days a month.
- Why this job: Make a real impact in consumer lending while developing your analytical skills.
- Qualifications: Strong credit risk experience and proficiency in SQL or Power BI.
The predicted salary is between 60000 - 60000 £ per year.
Are you an analytical minded individual, seeking a fresh challenge in the consumer lending space? We’re pleased to be supporting our customer centric client as they expand their portfolio into consumer finance. This role will be part of a dedicated team and is responsible for supporting the development, monitoring and optimisation of credit risk and affordability strategies across the lending lifecycle.
Duties will include:
- Support the design and maintenance of credit policy rules (eligibility, bureau cut-offs, scorecards, referrals, affordability thresholds).
- Analyse approval rates, decline reasons, and referral volumes to ensure alignment with risk appetite.
- Monitor score band performance and recommend adjustments to optimise risk-adjusted returns.
- Extract and analyse lending and performance data (SQL / BI tools).
- Build dashboards and reports for senior stakeholders.
- Review affordability framework assumptions (income verification, committed expenditure, disposable income thresholds).
The successful individual will possess:
- Strong experience in credit risk.
- Experience in analysing risk profiles, default metrics, roll rate metrics, portfolio analysis and preparing data tapes.
- An analytical background, with experience using SQL, Power BI or Excel modelling.
- A background in consumer lending would be highly desirable.
- Ideally degree educated in a quantitative discipline i.e. Maths, Data Science, Economics etc.
Our client is based in Leicestershire, and while they would prefer weekly office presence for this role holder, they are very open to remote working, with an understanding of 3 days per month being office based. This is an excellent opportunity for an analytical, credit risk professional, seeking a new opportunity where they can really make the role their own. Along with a very competitive salary, you would also be entitled to employee benefits which include 27 days holiday + bank holidays + your birthday off, pension contribution, BUPA and more!
If this sounds like your next career move, please apply today!
Credit Risk Analyst employer: Ultimate Banking Ltd
Contact Detail:
Ultimate Banking Ltd Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Analyst
✨Tip Number 1
Network like a pro! Reach out to folks in the credit risk space on LinkedIn or at industry events. A friendly chat can lead to opportunities that aren’t even advertised yet.
✨Tip Number 2
Show off your skills! Create a portfolio showcasing your analytical projects, especially those involving SQL and Power BI. This will give potential employers a taste of what you can bring to the table.
✨Tip Number 3
Prepare for interviews by brushing up on common credit risk scenarios. Be ready to discuss how you've tackled challenges in the past and how you can optimise risk strategies for your future employer.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search!
We think you need these skills to ace Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Analyst role. Highlight your experience in credit risk, data analysis, and any relevant tools like SQL or Power BI. We want to see how your skills match 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 consumer lending and how your analytical mindset can contribute to our team. Keep it engaging and personal – we love to see your personality!
Showcase Your Analytical Skills: In your application, don’t forget to showcase your analytical skills. Mention specific projects or experiences where you’ve successfully analysed risk profiles or optimised strategies. We’re keen to see how you think and solve problems!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates. Let’s get your journey started!
How to prepare for a job interview at Ultimate Banking Ltd
✨Know Your Numbers
As a Credit Risk Analyst, you'll be dealing with a lot of data. Brush up on your understanding of key metrics like approval rates and default metrics. Be ready to discuss how you've used these in past roles and how they relate to the job at hand.
✨Showcase Your Analytical Skills
Prepare examples that highlight your analytical background. Whether it's using SQL, Power BI, or Excel modelling, have specific instances ready where you’ve successfully analysed risk profiles or optimised credit policies. This will show your potential employer that you can hit the ground running.
✨Understand the Consumer Lending Landscape
Familiarise yourself with current trends in consumer lending. Being able to discuss recent developments or challenges in the industry will demonstrate your genuine interest and knowledge, making you stand out as a candidate who is not just looking for any job, but this specific role.
✨Prepare Questions for Them
Interviews are a two-way street! Prepare insightful questions about their credit policy rules or how they measure risk-adjusted returns. This shows that you're not only interested in the position but also in how you can contribute to their success.