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- Tasks: Join our team as a Senior Credit Risk Analyst, tackling exciting projects and enhancing credit risk controls.
- Company: YBS is a member-focused organisation dedicated to providing real help in a safe and responsible way.
- Benefits: Enjoy flexible working options, 25 days holiday, healthcare benefits, and a bonus scheme up to 15%.
- Why this job: Be part of a collaborative culture that values inclusivity and personal development while making a real impact.
- Qualifications: Strong analytical skills, experience in Credit Risk, and proficiency in SAS, SQL, and Excel are essential.
- Other info: We offer a supportive environment where you can bring your whole self to work and thrive.
The predicted salary is between 36000 - 60000 £ per year.
We have an exciting opportunity for a Senior Credit Risk Analyst to join our Credit Risk team here at YBS.
The Credit Risk team is an integral part of YBS’s Risk Centre of Excellence. We pride ourselves on working collaboratively with our colleagues in teams across the business, including Trading, New Product Development, Finance and Collections & Recoveries to ensure we’re identifying, mitigating and managing conduct and credit risks. This allows us to provide a fantastic experience for our customers and provides sustainable growth and performance for our members. Above all else, the Credit Risk function helps YBS to deliver real help with real lives in a safe and responsible way.
About the Role
As a Senior Credit Risk Analyst you’ll be a key member of our team, leveraging your Credit Risk expertise to help YBS deliver its objectives. You will get the chance to be involved in a range of interesting projects and initiatives. Some of the areas you could be responsible for:
- Develop our strategic support for existing borrowers, proactively seeking methods to ensure good outcomes for customers through development of our solutions and engagement strategies for borrower facing financial difficulties.
- Supporting YBS’ growth aspirations whilst ensuring lending is responsible. You will work with other areas of the business to evolve our risk appetite controls, balancing risk and reward whilst ensuring credit risks are managed.
- Analysing portfolio and customer data. Build an in-depth understanding of the internal and external data held across the society drawing insight to inform the risk exposures and assurance levels across our retail lending portfolio.
- Ensuring high quality, insightful credit risk analytics are produced. You will be responsible for the production of credit risk analytics that provides real insight and can be used to inform strategic decision-making.
- Supporting others. You will use your expert knowledge and experience to support other team members as well as colleagues from across the business.
About You
- Proven experience in Credit Risk or other similar analytically based roles.
- Expert skills in data manipulation, SAS (or similar statistical packages), SQL and Microsoft Excel.
- Knowledge of the retail mortgage market would be beneficial but is not essential if you have experience in other Financial Services or similar.
- Outstanding analytical and problem-solving skills with the ability to identify trends or areas of concern within data.
- Continuous improvement mindset and always looking for ways we can improve our processes.
- Excellent communication skills with an ability to present findings and influence at a senior level
About us
At YBS we don’t have shareholders, we have members. We care about people and that includes you. So here, you’ll be respected for who you are, you’ll be able to bring your whole self to work, and you’ll have everything you need to build a long and rewarding career.
Flexibility.
We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it’s finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you. We’re happy to talk flexible working and you can reach out to us anytime to discuss this during the recruitment process.
Development.
We want you to feel challenged here. Whatever your ambitions, we’re committed to helping you develop your skills and move ahead in your career journey. From day one, we’ll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.
Inclusivity.
We’re passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you’ll go the extra mile to help our members, you’ll fit right in and feel you belong here.
About our Benefits
We offer lots of fantastic rewards that you can make the most of in and out of work, including:
- Holiday. You’ll get 25 days plus Bank Holidays, as well as the option to buy up to a further 5 days.
- Bonus. At YBS we work collaboratively and share in our success together, so when we reach our goals were all rewarded with an on target bonus of 7% of eligible pay (with the opportunity to earn up to a maximum 15%).
- Pension. We know how important it is to save towards the future, that’s why we’ll contribute up 11% into your YBS pension.
- Healthcare. Health and wellbeing are an important part of life at YBS, when you join us you’ll have access to a range of health benefits to suit your life including private medical insurance, dental and healthcare plans.
- My Benefits. When you join YBS you’ll have access to our self-service benefits portal, where you can access a range of retail, hospitality and health discounts.
Ready to apply?
If you’re excited about this role and want to be part of the YBS team, click apply now to send us your application
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Senior Credit Risk Analyst employer: Yorkshire Building Society
Contact Detail:
Yorkshire Building Society Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management and regulatory changes. This will not only help you understand the role better but also allow you to engage in informed discussions during interviews.
✨Tip Number 2
Network with professionals in the financial services sector, especially those involved in credit risk. Attend industry events or join relevant online forums to build connections that could provide insights or referrals.
✨Tip Number 3
Brush up on your data analysis skills, particularly in SAS, SQL, and Excel. Consider taking a short course or working on personal projects that demonstrate your ability to analyse complex datasets effectively.
✨Tip Number 4
Prepare to discuss specific examples from your past experience where you've successfully identified and mitigated risks. Use the STAR method (Situation, Task, Action, Result) to structure your responses clearly.
We think you need these skills to ace Senior Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in Credit Risk and analytical roles. Emphasise your proficiency in SAS, SQL, and Excel, as well as any experience with lending policies or the retail mortgage market.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Mention specific projects or initiatives you are excited about and how your skills align with YBS's objectives, particularly in enhancing credit risk controls.
Showcase Analytical Skills: Provide examples of how you've used data to identify trends and make strategic decisions in previous roles. Highlight any experience with producing committee papers or presenting complex information clearly.
Demonstrate Collaboration: YBS values teamwork, so include examples of how you've successfully collaborated with cross-functional teams. Discuss your proactive approach to problem-solving and continuous improvement in your previous positions.
How to prepare for a job interview at Yorkshire Building Society
✨Showcase Your Analytical Skills
As a Senior Credit Risk Analyst, your analytical abilities are crucial. Be prepared to discuss specific examples of how you've used data analysis to identify trends or mitigate risks in previous roles. Highlight your proficiency in tools like SAS, SQL, and Excel.
✨Demonstrate Collaboration Experience
This role requires working cross-functionally with various teams. Share experiences where you've successfully collaborated with others to achieve a common goal, especially in areas related to credit risk or lending policies.
✨Understand the Retail Mortgage Market
While knowledge of the retail mortgage market is advantageous, it's not essential. However, if you have relevant experience from other financial sectors, be ready to explain how that knowledge can translate into success in this role.
✨Prepare for Scenario-Based Questions
Expect questions that assess your problem-solving skills in real-world scenarios. Prepare to discuss how you would handle specific credit risk challenges or policy changes, demonstrating your proactive mindset and ability to drive tasks to completion.
