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- Tasks: Join our team as a Senior Credit Risk Analyst, managing credit risk controls and analytics.
- Company: Yorkshire Building Society is a member-focused financial institution dedicated to helping people thrive.
- Benefits: Enjoy flexible working, 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.
- Qualifications: Strong analytical skills, experience in Credit Risk, and proficiency in SAS or SQL required.
- Other info: Flexible working options available to support your studies and personal life.
The predicted salary is between 36000 - 60000 £ per year.
Senior Credit Risk Analyst
Yorkshire Building Society Leeds, United Kingdom
Yorkshire Building Society Leeds, United Kingdom
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
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Senior Credit Risk Analyst | Leeds, UK 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 | Leeds, UK
✨Tip Number 1
Network with professionals in the credit risk field, especially those who work at Yorkshire Building Society or similar organisations. Attend industry events or webinars to connect with potential colleagues and learn more about the company culture.
✨Tip Number 2
Familiarise yourself with the latest trends and regulations in credit risk management. This will not only help you in interviews but also demonstrate your proactive approach and commitment to staying updated in the field.
✨Tip Number 3
Prepare to discuss specific projects or experiences where you've successfully implemented credit risk controls or analytics. Be ready to share how your contributions led to improved outcomes, as this will showcase your expertise effectively.
✨Tip Number 4
Research Yorkshire Building Society's values and mission, particularly their focus on member care and inclusivity. Tailor your discussions to reflect how your personal values align with theirs, which can make a strong impression during interviews.
We think you need these skills to ace Senior Credit Risk Analyst | Leeds, UK
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk analysis and showcases your analytical skills. Use specific examples that demonstrate your ability to manage risks and contribute to projects, as mentioned in the job description.
Craft a Compelling Cover Letter: Write a cover letter that reflects your understanding of the role and the company. Mention how your skills align with their needs, particularly in areas like data analysis and collaboration across teams. Show enthusiasm for contributing to YBS's mission.
Highlight Technical Skills: Emphasise your proficiency in SAS, SQL, and Microsoft Excel in both your CV and cover letter. Provide examples of how you've used these tools in previous roles to analyse data and inform decision-making.
Showcase Soft Skills: In addition to technical expertise, highlight your strong time management, problem-solving abilities, and collaborative mindset. Use specific instances from your past work to illustrate how these skills have helped you succeed in similar roles.
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.
✨Understand the Retail Mortgage Market
While knowledge of the retail mortgage market is advantageous, it's essential to demonstrate your understanding of credit risk principles. Research current trends and challenges in the market, and be ready to discuss how they might impact lending policies.
✨Emphasise Collaboration and Communication
The role requires working cross-functionally, so highlight your experience in collaborating with different teams. Prepare to share examples of how you've effectively communicated complex information to stakeholders, ensuring clarity and alignment.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions that assess your problem-solving skills. Think about past experiences where you had to make decisions under pressure or address oversight findings. Use the STAR method (Situation, Task, Action, Result) to structure your responses.
