Credit Risk Modelling Analyst

The Very Group; Liverpool; On-site; GBP 45,000 - 65,000; Full time

Job summary

A leading retail company in the UK is seeking an experienced Senior Credit Risk Analyst to enhance and monitor critical credit risk models. The role emphasizes stakeholder engagement and requires extensive experience in financial services. Candidates should have advanced skills in SQL and Python/SAS, alongside the ability to coach and mentor junior analysts, ensuring compliance with governance and risk standards. This position offers a rewarding opportunity to drive performance improvements and contribute to business objectives.

Qualifications

• Experience in retail or financial services.
• Extensive experience in credit risk or impairment model development.
• Advanced SQL and Python/SAS coding skills.

Responsibilities

• Develop and monitor Credit Risk and Impairment models.
• Analyse model movements and make performance recommendations.
• Coach and mentor Analysts effectively.

Skills

Credit risk model development

SQL

Python/SAS

Data analysis

Stakeholder engagement

Coaching and mentoring

Attention to detail

Job description

An exciting and rewarding opportunity for an experienced Senior Credit Risk Analyst to develop and monitor Credit Risk and Impairment models, coaching and mentoring Analysts, identifying and maximising opportunities to improve model performance, contributing to the delivery of business goals and objectives.

Responsibilities

• Work collaboratively to develop and monitor the Credit Risk and Impairment models
• Analyse model movements, segmenting to understand trends, and make recommendations to maximise performance
• Play a key role in providing MI and insightful commentary based on model evaluation and impact assessments to drive continuous improvement
• Communicate analysis/findings and monthly monitoring effectively to manager, team and senior stakeholders
• Display strong attention to detail
• Provide effective coaching and mentoring of Analysts, building capabilities to support objectives and ensure all areas of governance, risk and compliance standards are adhered to
• Challenge current approaches, always seeking to improve
• Adhere to all governance, risk and compliance standards, ensuring models deliver the best outcomes for customers and the business
• Identify, build and maintain key internal and external stakeholder relationships to deliver the agreed commercial performance

Qualifications

• Experience of working within the retail, financial services sector
• Extensive experience of credit risk or impairment model development and/or monitoring
• Advanced knowledge in writing and reviewing SQL and Python/SAS code to analyse data
• Extensive experience of working and delivering in a regulated environment
• Excellent working knowledge of financial standards and guidelines e.g. FCA, TCF, Data Protection
• Experience coaching and developing the performance of others
• Delivery and customer focussed
• Ability to plan and prioritise effectively to meet changing priorities and demands
• Excellent communication and engagement skills
• Proven track record in effective facilitation and communication at multiple levels
• Commercially astute
• Ability to engage and influence stakeholders at an appropriate level
• Analytical, pragmatic and systematic approach to problem solving
• Ability to manage conflict and know when to elevate
• IT literate