Credit Risk Analyst

TN United Kingdom; Skipton; Hybrid; GBP 35,000; Full time

Job summary

Join a forward-thinking organization as a Credit Risk Analyst, where your expertise in data analysis and risk management will drive impactful decisions. In this pivotal role, you will leverage advanced analytical techniques and collaborate with a dynamic team to enhance credit risk strategies. With a commitment to innovation and a supportive work environment, this is an opportunity to contribute to meaningful change in the financial services sector. Enjoy a range of benefits, including flexible working arrangements and a commitment to your professional development, as you help shape the future of credit risk management.

Benefits

Annual discretionary bonus scheme

25 days annual leave + bank holidays

Matching employer pension contribution

Private medical insurance

3 paid volunteering days

Discounted gym membership

Cycle to work initiative

Training and development commitment

Holiday trading scheme

Colleague mortgage scheme

Qualifications

• Experience in a risk or lending environment is preferred.
• Strong analytical skills and ability to interpret data.

Responsibilities

• Collaborate with the Credit Risk Oversight team to align with corporate priorities.
• Utilize analytical tools to extract insights and optimize processes.

Skills

Data Analysis

SAS

Python

SQL

MS Excel

Communication Skills

Time Management

Numeracy

Tools

PowerBI

Job description

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Hours:

Permanent, 35 hours per week, ideally a minimum of one day per week in our Head Office at Skipton

Salary:

£34,200 Per Annum

Closing Date:

Mon, 12 May 2025

Salary up to £34,200 dependent on experience

Are you ready to take the next step in your career? We’re looking for a driven Credit Risk Analyst to join our team. If you have a solid background in financial services and a passion for turning data into actionable insights, this could be the opportunity for you.

In this role, you'll leverage your expertise in risk and analytics to assess emerging risk trends and external market conditions, helping to enhance and evolve our credit risk management strategies. You will also play a key part in supporting our Homesmortgage business to enable our key business strategies.

Who Are We?

Not just another building society. Not just another job.

We're the fourth biggest building society in the UK and what makes us a bit different is that we're a mutual organisation. We don't have shareholders; we're owned by our members.

Our colleagues say Skipton's a great place to work, and you could be one of them, bringing with you new ideas on how we can keep customers at the heart of what we do.

Whatever your background, and whatever your goals, we'll help you take the next step towards a better future.

The Credit Risk Oversight team

of 15 individuals, is part of the Group Risk function. Our core role is to support our purpose to help more people to have a home, by applying a proactive and sustainable risk management approach. We work across the Society and more specifically, we support our Homes Business. We encourage individuals to make decisions and challenge the status quo – to ensure long-term financial resilience and a risk aware culture.

What Will You Be Doing?

Step into a pivotal role where your expertise in credit risk will shape key decisions and drive meaningful impact. As a Credit Risk Analyst, you will:

1. Collaborate & Innovate – Work flexibly within the Credit Risk Oversight team, supporting colleagues and contributing to departmental priorities that align with the Corporate Plan.

2. Unlock the Power of Data – Write and run code (SAS, Python, SQL) while utilizing analytical tools such as PowerBI to extract insights, optimise processes and enhance management information.

3. Deliver Smart Solutions – Apply advanced analytical techniques to assess risk, interpret outcomes and recommend strategies that strengthen our credit risk management.

4. Communicate with Impact – Present complex technical findings in a clear, engaging manner to stakeholders, ensuring insights drive well-informed decisions.

5. Influence Key Committees – Play a role in shaping analysis and papers that inform senior leaders and strategic discussions.

6. Expand Your Expertise – Be involved in critical areas from mortgage lending decisions and product design to credit management activities, deepening your knowledge of regulation, policy and risk modelling.

This is your chance to make a real difference in how we approach credit risk—bringing together cutting-edge analytics, strategic thinking, and collaborative teamwork.

What Do We Need From You?

About You

Experience

• Ideally have experience of working in a risk or lending environment.
• Experience of working in an analytical role.

Skills

• Highly numerate.
• Experience of using code to analyse and interpret data.
• Ability to manipulate, understand and interpret data.
• Ability to think in a structured and logical manner.
• Good ability to analyse and understand trends in data, articulate this and turn it into real solutions.
• Sound working knowledge of MS Excel.
• Good communication and time management skills, with the ability to communicate complex technical issues in a clear and concise manner.
• Keen to learn and develop within an analytical environment.
• Ability to work flexibly in a team environment.
• Manage own elements of work.

Knowledge

• An awareness of the requirements of mortgage related regulation.
• An understanding of Financial Services sector.

What’s In It For You?

Skipton values a work/life balance and we are proud to support hybrid and flexible working, where possible. We have a newly refurbished head office which offers a vibrant and collaborative working space.

We have a range of other benefits available to you including;

• Annual discretionary bonus scheme
• 25 days standard annual leave + bank holidays + rising 1 day per year of service to a maximum of 30 days
• Holiday trading scheme allowing the ability to buy and sell additional annual leave days
• Matching employer pension contribution (up to 10% per annum)
• Colleague mortgage (conditions apply)
• Salary sacrifice scheme for hybrid & electric car
• A commitment to training and development
• Private medical insurance for all our colleagues
• 3 paid volunteering days per annum
• Diverse and inclusive colleague networks available for you to join including our Carers and Pride Alliance groups
• We care about your health and wellbeing – we provide a range of benefits that support this including cycle to work initiative and discounted gym membership