Credit Risk Analytics Manager

Ford Motor Company; Basildon; On-site; GBP 40,000 - 60,000; Full time

Job summary

An automotive company based in Dunton is seeking a Credit Risk Analyst to develop and enhance credit risk strategies for lending portfolios. The role requires collaboration with cross-functional teams to align strategies with business objectives and involves conducting in-depth analyses of credit profiles. Candidates should have proven experience in credit risk analysis and strong proficiency in statistical analysis tools. This full-time position requires attendance at the office typically four days a week.

Qualifications

• Proven experience in credit risk analysis, strategy development, and portfolio management.
• Strong proficiency in statistical analysis tools or data visualisation tools.
• Excellent problem-solving skills and ability to think analytically.
• Strong communication skills for conveying complex information.

Responsibilities

• Develop and enhance credit risk strategies for lending portfolios.
• Conduct in-depth analysis of customer credit profiles and trends.
• Collaborate with cross-functional teams for credit risk strategies.
• Lead the design and implementation of management information monitoring.

Skills

Credit risk analysis

Statistical analysis tools (SAS, R, Python)

Credit scorecards and decision trees

Problem-solving skills

Communication and presentation skills

Results-driven attitude

Relationship management

Job description

will only be accepted from current UK permanent employees (FoB and FCE employees only). The Company is committed to diversity and equality of opportunity for all and is opposed to any form of less favourable treatment or harassment on the grounds of race, religion or belief, sex, marriage and civil partnership, pregnancy and maternity, age, sexual orientation, gender reassignment or disability.

This is a full‑time role, however we are keen to encourage applications from applicants who work flexibly, including job‑share applicants, who would like to work with another job‑share applicant to do this role (even if you currently do not have a job‑share partner). The Job Share Connect tool allows you to create your profile and then find a job‑share match.

This position is based in Dunton, and it is expected the successful candidate will be able to attend the Dunton office for typically 4 days a week and remain flexible on the days they are required to attend the office according to business requirements.

Responsibilities

Develop and enhance credit risk strategies for lending portfolios utilizing data‑driven methodologies to assess and manage credit risk effectively. Conduct in‑depth analysis of customer credit profiles, trends and economic indicators to identify potential risks and opportunities in the portfolio. Collaborate with cross‑functional teams, including finance, operations and business development, to align credit risk strategies with overall business objectives. Lead the design, implementation and ongoing development of management information (MI) that monitors credit risk within FCE's lending portfolios.

Support from a Risk perspective the development of models to forecast expected credit losses under IFRS9 and US GAAP standards, including EAD, PD, LGD and staging models, incorporating qualitative and quantitative considerations of SICR and appropriate EIR proxies for discounting. Support from a Risk perspective consideration of PMAs and other management judgement overlays to expected credit loss reserves that counter model deficiencies reflect model risk. Provide subject‑matter expert advice supporting the maintenance of credit risk models in line with prudential regulation in the relevant UK and European markets.

In conjunction with the credit risk team, develop, maintain and implement Credit Risk Policies in line with company strategy. Collaborate with first‑line operational areas involved in credit risk management to deliver efficient and effective processes for credit risk management. Contribute to the ICAAP through review, challenge and direct inputs. Work closely with other business areas to support the bank's strategic growth initiatives.

Qualifications

• Proven experience in credit risk analysis, strategy development and portfolio management within lending.
• Strong proficiency in statistical analysis tools such as SAS, R or Python, or experience with data visualisation tools.
• Familiarity with credit scorecards, decision trees and other credit risk models.
• Excellent problem‑solving skills with the ability to think analytically and make data‑driven decisions.
• Strong communication and presentation skills to convey complex information to diverse stakeholders effectively.
• A self‑motivated and results‑driven attitude, with a passion for achieving excellence.
• Ability to operate in a fast‑moving environment, creating and leveraging strong relationships both internally and externally and bringing gravitas to any negotiations.
• Possess strong communication skills, enabling effective interfacing with senior leaders, board members and global stakeholders.

Additional Information

This is a UK position and applications