Data-Driven Credit Risk Analyst

Propel Holdings, Inc.; Nottingham; On-site; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Competitive salary

Pension

25 days holidays, increasing to 30

Growth opportunities

Culture of innovation

Job summary

Propel is a fintech company focused on expanding financial opportunity by improving access to credit for consumers underserved by traditional lenders. We use an AI-driven platform to assess credit risk and enable billions in credit by connecting customers with responsible lending options.

Propel seeks a data-driven risk professional to monitor portfolio performance and drive measurable improvements. The role collaborates with Credit Risk Strategy, Commercial, Compliance, IT and Finance to

Qualifications

• Degree in Maths, Data Science, Statistics, Economics or similar.
• 3+ years’ experience in credit risk/financial services strategy with strong experience in risk analytics including approval rates, roll rates, default rates, expected loss and profitability.
• Strong understanding of FCA regulatory landscape and regulatory frameworks.
• Proficiency in Python, R, SQL or other programming languages.
• Experience working with credit bureau data and large multi-source data.
• Strong understanding of strategy governance and risk strategy management expectations.
• Ability to communicate technical insights to non-technical audiences effectively.
• Detail-oriented and process-driven with a focus on continuous improvement.
• Comfortable working in a fast-paced, evolving environment.
• Experience using Snowflake and data visualisation tools preferred.

Responsibilities

• Portfolio Performance: Produce robust portfolio performance metrics across key credit risk metrics including delinquency and default rates to identify emerging trends and potential risks.
• Risk Appetite: Monitor portfolio performance against approved risk appetite thresholds and escalating a need for action where risk appetite is breached.
• Analytics Reporting: Support design, development and optimisation of portfolio performance reports to governance committees.
• Early Risk Identification: Execute ad-hoc deeper dive root cause analysis where credit deterioration and portfolio shifts are identified.
• Tactical change: Support delivery of tactical actions to mitigate immediate portfolio risks and opportunities.

Skills

Credit risk analytics

Regulatory knowledge

Communication of technical insights

Attention to detail

Education

Degree in Maths/Data Science/Statistics/Economics

Tools

Python

R

SQL

Snowflake

Data visualization tools

Job description

Propel is a fintech company focused on expanding financial opportunity by improving access to credit for consumers underserved by traditional lenders. We use an AI-driven platform to assess credit risk and enable billions in credit by connecting customers with responsible lending options.

Propel seeks a data-driven risk professional to monitor portfolio performance and drive measurable improvements. The role collaborates with Credit Risk Strategy, Commercial, Compliance, IT and Finance to