Senior Credit Risk Analyst

Senior Credit Risk Analyst – Full time
The Retail Lending Policy team is an integral part of YBS\’s Credit Risk function. We pride ourselves on working collaboratively with our colleagues in teams across the business, including Underwriting Service Delivery, Resilience and Controls, Trading, Customer Support, Direct and Intermediary Distribution, Finance and Portfolio and Collections to ensure we\’re identifying, mitigating and managing conduct, credit and operational risks. This allows us to provide a joyful 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 Life 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:

• Maintain and enhance key credit risk controls, including lending policy and affordability models, ensuring they remain robust, compliant, and aligned with regulatory expectations. You\’ll work cross-functionally to gain approval for policy changes that support YBS\’s growth ambitions while maintaining responsible lending practices.
• Provide assurance to internal and external stakeholders by responding to oversight findings and addressing identified concerns, ensuring our credit risk governance remains effective and accountable.
• Conduct market scanning and competitor benchmarking to ensure our lending policies and standards remain appropriate, competitive, and aligned with industry best practice.
• Use internal and external data to develop a deep understanding of our retail lending portfolio, producing high-quality credit risk analytics that deliver meaningful insight and support strategic decision-making.
• Provide Subject Matter Expert (SME) support to colleagues on complex aspects of Lending Policy and Standards, ensuring consistent interpretation and application across the business.

About You

• Strong time management and collaboration skills, with a proactive and curious mindset focused on continuous improvement and driving tasks from start to finish.
• Excellent analytical and problem-solving abilities, with a keen eye for identifying trends, risks, and opportunities within complex datasets.
• Advanced data skills, including proficiency in SAS (or equivalent statistical tools), SQL, and Microsoft Excel.
• Strong written communication skills, with the ability to produce clear and structured committee papers.
• Proven experience in Credit Risk or a similar analytically focused role within Financial Services or a related industry. Knowledge of the retail mortgage market is advantageous, though not essential if you bring relevant experience from other financial sectors.

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 during the recruitment process to discuss this.
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.
Want more information?
If you have any questions about this role, please contact Carol Xie on #J-18808-Ljbffr