Credit Risk Analyst

Castle Trust Group; City Of London; Hybride; GBP 40 000 - 60 000; Plein temps

Avantages offerts par ce poste

Competitive salary

Performance bonus

Pension scheme

Life Assurance

25 days holiday

Private healthcare

Gym discounts

Travel loans

Disability-friendly environment

Résumé du poste

Castle Trust Bank is seeking a Credit Risk Analyst in London on a hybrid basis (3 days in office, 2 days at home). You will work with Databricks data, analyse portfolio and model performance, and support IFRS 9 monitoring and model development across Risk, Data, and Finance teams.

You’ll gain exposure to governance, data validation, and reporting, delivering insights to senior stakeholders and helping automate monitoring workflows.

Qualifications

• Degree in a quantitative or analytical subject with 2:1 or above.
• Academic maths, statistics or data analysis experience.
• Experience analysing data and drawing clear conclusions.
• Strong numerical and problem-solving skills.
• Some exposure to Python/SQL or similar languages.
• Good working knowledge of Excel for data manipulation.
• Structured testing approach with clear evidence.

Responsabilités

• Analyse portfolio and model data to identify trends and risk signals.
• Support IFRS 9 model monitoring and enhancements.
• Gather, validate, reconcile and manipulate data from sources.
• Explore behavioural shifts to explain performance changes.
• Assist in developing and testing new or amended model components.
• Use Python/SQL or similar to investigate data and implement changes.
• Produce reports and commentary for technical and non-technical audiences.
• Maintain documentation on methodologies, assumptions and outcomes.
• Prepare analytical materials for risk and governance committees.
• Identify opportunities to automate repeatable monitoring and reporting.

Connaissances

Numerical reasoning

Data analysis

Python

SQL

Excel

Communication

Attention to detail

Formation

2:1 degree in quantitative field

Dissertation or project in math/stats/data analysis

Outils

Databricks

Description du poste

Credit Risk Analyst

"Turn data into insight and build your career in credit risk"

Are you a numerically minded graduate or early-career analyst who enjoys solving problems, investigating patterns and understanding the story behind the data?

At Castle Trust Bank, we pride ourselves in being a fintech challenger bank, providing specialist property mortgages, retail finance lending and savings accounts to a variety of customers.

We're looking for a Credit Risk Analyst to join our Risk function at Castle Trust Bank. This is an excellent opportunity to develop hands-on experience across credit risk analytics, IFRS 9 model monitoring and model development within a growing specialist bank.

This role is based in London on a hybrid basis working 3 days office and 2 days at home.

The role and what you'll lead and deliver:

You’ll work with data held in our Databricks environment, helping the team understand changes in portfolio and model performance. From investigating behavioural shifts and testing model enhancements to producing analysis for senior stakeholders, you’ll gain exposure to the full analytical and governance lifecycle rather than being limited to routine model processing.

Working closely with colleagues across Risk, Data, Finance and other areas of the Bank, you’ll:

• Analyse portfolio and model data to identify trends, anomalies, unexpected movements and emerging areas of risk.
• Support the monitoring, investigation and ongoing enhancement of the Bank's IFRS 9 models.
• Gather, validate, reconcile and manipulate data from a range of sources.
• Explore behavioural shifts and help the team understand why model or portfolio performance may be changing.
• Support the development and structured testing of new or amended model components.
• Use tools such as Python, SQL or other analytical languages to investigate data and implement approved changes.
• Produce clear reports, presentations and commentary for both technical and non-technical audiences.
• Maintain accurate documentation covering methodologies, assumptions, testing, limitations and outcomes.
• Help prepare analytical materials for risk and model governance committees.
• Identify opportunities to improve and appropriately automate repeatable monitoring and reporting processes.
• Support audit, assurance and wider governance activity when required.

What you'll bring:

You’ll bring a logical, curious and methodical approach, with the confidence to investigate results rather than simply accepting them at face value.

In addition, you will have:

Essential

• A degree, normally at 2:1 level or above, in a quantitative or analytical subject such as mathematics, statistics, economics, finance, data science, computer science or engineering.
• Academic experience involving mathematics, statistics, quantitative problem-solving or data analysis, potentially demonstrated through a relevant module, project or dissertation.
• Experience of analysing data and translating your findings into clear conclusions or recommendations.
• Strong numerical, analytical and problem-solving skills.
• Some practical exposure to Python, SQL, R or another analytical language, together with the ability and motivation to develop your technical capability.
• Good working knowledge of Microsoft Excel, including organising, reconciling, manipulating and analysing data.
• A structured approach to testing, with the ability to maintain clear evidence of your methods and results.
• The ability to explain analytical information clearly, both verbally and in writing.
• Strong attention to detail and the ability to manage competing priorities

Desirable

• Experience gained within banking, financial services, credit risk, modelling or another regulated environment.
• An understanding of IFRS 9 models or credit risk principles.
• Experience of model monitoring, model validation or model development.
• Exposure to Databricks or another cloud-based data and analytics platform.
• Experience creating repeatable reports, dashboards or automated analytical processes.
• Confidence using Python or SQL to undertake analytical work.
• Experience preparing analysis for senior stakeholders, governance committees, audit or assurance review.

Why join Castle Trust Bank?

• Competitive salary
• Performance bonus (based on individual and company performance)
• Generous contributory pension through Hargreaves Lansdown
• Life Assurance
• 25 days' holiday + option to buy/sell 5 days
• Additional paid volunteering day
• Private healthcare through Equipsme (includes cash back for Dental and Optical treatment)
• Free access to BHSF Rise EAP to support colleague health and wellbeing
• Gym discounts
• Season ticket travel loans (if applicable)
• A supportive, inclusive culture where your work has real impact

Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit.

We are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities, please contact [e-mail]

https://www.castletrust.co.uk/careers/who-we-are