Credit Risk Analyst

Michael Page (UK); Birmingham; On-site; GBP 55,000 - 75,000; Full time

Job summary

A rapidly expanding financial services company is looking for a Lead Credit Risk Analyst to enhance their credit risk modelling and analytics strategy. In this role, you will work closely with the Commercial Director to develop solutions that optimize lending decisions. The ideal candidate will have a strong statistical background, proficiency in data analysis, and a track record of delivering insights from complex datasets.

Benefits

Opportunity for professional development

Chance to work in a rapidly expanding company

Qualifications

• Experience in Financial Services Industry is essential.
• Proficiency in large datasets, Excel and SQL is essential.
• Strong proficiency in programming languages recommended, especially Python and R.

Responsibilities

• Develop and implement statistical models to predict credit risk.
• Analyse large datasets to identify trends and insights.
• Present findings and recommendations to stakeholders.

Skills

Statistical modelling

Data analysis

Python

SQL

Presentation skills

Attention to detail

Education

Degree in Data Science

Degree in Statistics

Degree in Computer Science

Degree in Economics

Tools

Excel

Salesforce

Data visualisation tools

Job description

• Opportunity to develop and enhance credit risk modelling & analytics strategy
• Opportunity to join a rapidly expanding financial services company

About Our Client

Rapidly expanding financial services company

Job Description

This rapidly expanding financial services company are seeking a Lead Credit Risk Analyst to join their Consumer Lending function. Working with the Commercial Director you develop credit risk analytics solutions to enhance Credit Scoring & Lending decisioning to optimise and grow their loan portfolio.

Key Responsibilities:

• Developing and implementing advanced statistical models and preferably machine learning algorithms to predict credit risk, optimise credit scoring, and enhance our decision-making/underwriting processes.
• Develop and maintain predictive models to assess credit risk and forecast customer behaviour.
• Analyse large datasets to identify trends, patterns, and insights that inform business decisions.
• Perform data cleaning to ensure high-quality data for analysis,
• Conduct A/B testing and other experiments to evaluate the impact of credit strategies and policies.
• Develop credit risk models, such as probability of default (PD) using various modelling techniques.
• Working independently and presenting findings and recommendations to stakeholders in a clear and concise manner.

Key Skills / Experience:

• Experience in the Financial Services Industry (Essential)
• Experience working with large data sets, Excel and SQL proficiency (Essential)
• Degree in relevant subject (Data Science, Statistics, Computer Science, Economics or similar degree) (Essential)
• Strong proficiency in programming languages such as Python, R (Preferable)
• Experience using Salesforce and data visualisation tools (Preferable)
• Strong presentation skills, including the ability to translate complex data into understandable insight
• A great attention to detail and be process-oriented to review, suggest and implement improvements where appropriate.
• Able to work in a fast paced, changing environment.

The Successful Applicant

• Experience in the Financial Services Industry (Essential)
• Experience working with large data sets, Excel and SQL proficiency (Essential)
• Degree in relevant subject (Data Science, Statistics, Computer Science, Economics or similar degree) (Essential)
• Strong proficiency in programming languages such as Python, R (Preferable)
• Experience using Salesforce and data visualisation tools (Preferable)
• Strong presentation skills, including the ability to translate complex data into understandable insight
• A great attention to detail and be process-oriented to review, suggest and implement improvements where appropriate.
• Able to work in a fast paced, changing environment.

What's on Offer

Opportunity to develop and enhance credit risk modelling & analytics strategy

Opportunity to join a rapidly expanding financial services company