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For Companies At a Glance
- Tasks: Produce credit risk reports and insights to influence mortgage lending strategies.
- Company: Join Virgin Money, a forward-thinking bank focused on fair and rewarding banking for all.
- Benefits: Enjoy remote work flexibility, competitive salary, and a supportive, inclusive culture.
- Why this job: Make a real impact in the mortgage sector while developing your analytical skills in a dynamic team.
- Qualifications: Experience in analytics or modelling, coding skills in SAS/SQL, and strong communication abilities required.
- Other info: We celebrate diversity and are committed to creating an inclusive workplace for everyone.
The predicted salary is between 32800 - 49200 £ per year.
Business Unit: Chief Credit Office
Salary range: £32,800 – £49,200 per annum DOE + Benefits
Location: UK Remote
Contract type : Permanent, Full time.
Our Team
Secured Credit Risk team plays a pivotal role in shaping and maintaining our retail mortgage credit risk strategy and portfolio management. The Secured Portfolio Performance team, part of the broader Secured Credit Risk team, is responsible for providing comprehensive credit risk reporting, portfolio insights, arrears and loss forecasting.
We are seeking a Senior Analyst to join our Secured Portfolio Performance team. The role holder will be responsible for producing credit risk reporting and management information, portfolio analysis, insights and recommendations. The role offers the opportunity to influence the mortgage lending business across the credit lifecycle and provide valuable insights to the risk management leadership team, risk committees, and the wider business.
What you’ll be doing
- Developing and producing credit risk reporting and management information, portfolio insights to understand existing and emerging risks and opportunities.
- Performing inquisitive analysis and presenting findings to stakeholders in an engaging and articulate manner.
- Developing and managing credit risk appetite metrics and thresholds to ensure safe and sustainable development of the mortgage portfolio.
- Keeping abreast of all external developments and asses the Bank’s position relative to peers and industry
- Implementing quality control capability to ensure all analysis and insight is completed to the highest standard.
- Improving the quality of data and insights, working with a range of stakeholders to ensure data and reporting is understood and used appropriately.
- Improving sophistication and driving automation of a comprehensive suite of credit risk portfolio MI.
We need you to have
- Coding skills in SAS/SQL.
- Experience in an analytical or modelling role, preferably in a credit risk environment.
- Excellent communication skills, written and verbal.
- Attention to detail, ensuring analysis produced is accurate and robust.
- Ability to effectively plan and organise work effectively and prioritise deadlines whilst working at a fast pace.
Be yourself at Virgin Money
At Virgin Money, we celebrate everyone. We have fun, think big, and relentlessly include each other, all in pursuit of our purpose: Banking – but fairer, more rewarding, and for the good of society. We’re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.
As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team
If we receive a high volume of eligible applications, we may need to prioritise candidates whose skills and experience most closely align with the role, while still ensuring fair and equitable consideration for all applicants.
Points to Note: It’s a good idea to let your current people leader know if you are going to apply for an internal role, so they can support your application, we always recommend you share your plans with them.
If you’re interested in this opportunity, we recommend that you get in touch with Linkesh Aiyamperumal who’ll be able to tell you all about the role which will help you make a great application.
Now the legal bit
Please note that some of our legacy contracts are non-flexible therefore, if you move to a new role or make a change to your existing terms, you’ll move onto our standard flexible contract, 8am – 8pm.
If you successfully secure a new role, the salary and notice period you'll be offered will be in line with our reward and policy guidance. Not sure what this would mean for you, and want to know more? Contact Talent Acquisition, or feel free to start a conversation with HaRi our new HR Virtual Agent on MS Teams to help with your questions.
Credit Risk Senior Analyst employer: Virgin Money
Contact Detail:
Virgin Money Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Senior Analyst
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management, especially in the mortgage sector. This knowledge will help you engage in meaningful conversations during interviews and demonstrate your understanding of the industry.
✨Tip Number 2
Network with professionals in the credit risk field, particularly those who work at Virgin Money or similar organisations. Attend industry events or join relevant online forums to build connections that could provide insights and potentially refer you for the role.
✨Tip Number 3
Brush up on your SAS and SQL coding skills, as these are crucial for the role. Consider working on small projects or exercises that showcase your ability to analyse data effectively, which you can discuss during your interview.
✨Tip Number 4
Reach out to Linkesh Aiyamperumal, as suggested in the job description. Having a conversation with someone directly involved in the hiring process can provide you with valuable insights about the role and the team, helping you tailor your approach.
We think you need these skills to ace Credit Risk Senior Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk analysis and any coding skills in SAS/SQL. Use specific examples that demonstrate your analytical abilities and attention to detail.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Mention how your skills align with the responsibilities outlined in the job description, particularly your experience in producing credit risk reporting and insights.
Showcase Communication Skills: Since excellent communication is key for this role, provide examples in your application of how you've effectively presented findings to stakeholders. This could be through reports, presentations, or meetings.
Highlight Continuous Learning: Mention any recent training or courses you've taken related to credit risk or data analysis. This shows your commitment to staying updated with industry trends and improving your skill set.
How to prepare for a job interview at Virgin Money
✨Showcase Your Analytical Skills
As a Senior Analyst, you'll need to demonstrate your analytical prowess. Prepare examples of past projects where you've successfully analysed credit risk data or developed insights that influenced decision-making. Be ready to discuss the methodologies you used and the impact of your findings.
✨Communicate Clearly and Effectively
Excellent communication skills are crucial for this role. Practice articulating complex ideas in a simple manner. During the interview, focus on how you can present your analysis to stakeholders in an engaging way, as this will be key to influencing the mortgage lending business.
✨Demonstrate Attention to Detail
Given the importance of accuracy in credit risk reporting, be prepared to discuss how you ensure the quality of your work. Share specific examples where your attention to detail has led to successful outcomes, especially in high-pressure situations.
✨Familiarise Yourself with Industry Trends
Stay updated on external developments in the credit risk landscape. Research current trends and challenges in the mortgage sector, and be ready to discuss how these might affect the bank's position relative to its peers. This shows your proactive approach and understanding of the industry.
