Lead Analyst - Credit Risk Reporting and Analysis

Hampshire Trust Bank Plc; Greater London; Hybrid; GBP 70,000 - 95,000; Full time

Benefits offered by this job

Hybrid working (50/50)

Private Medical Insurance (Bupa)

Pension scheme – 8% employer contrib.

Cycle to Work & Green Car Schemes

Study support & professionalMembership

Job summary

Hampshire Trust Bank is seeking a highly motivated Lead Analyst to join our Credit Risk Analytics team in London. You will deliver high-quality risk reporting, analytics and insights to support key business decisions across the bank, combining technical depth with strong stakeholder leadership.

The role emphasizes IFRS 9 reporting, data quality and governance, and advancing Power BI solutions while aligning with risk frameworks.

Qualifications

• Strong experience within Credit Risk Reporting and Analytics.
• Practical experience of IFRS 9 reporting and expected credit loss methodologies.
• Advanced Power BI skills including data modelling and DAX.
• Strong experience using SQL, Python, SAS, R or similar analytical tools.
• Experience analysing large datasets and translating findings into business insight.

Responsibilities

• Lead the development and enhancement of Power BI dashboards and reporting solutions.
• Translate business requirements into effective analytical and reporting outcomes.
• Analyse large and complex datasets to identify insights and trends.
• Improve reporting processes through automation and standardisation.
• Ensure reporting is accurate, timely and delivers business value.
• Support IFRS 9 reporting and expected credit loss analysis.
• Work closely with Risk, Finance and Model Development teams to support reporting requirements.
• Provide meaningful challenge and interpretation of risk data through robust analytical insight.

Skills

Leadership & stakeholder influence

Analytical thinking

Communication of complex concepts

Commercial awareness

Ownership & delivery

Adaptability in fast-paced environment

Continuous improvement & innovation

Tools

SQL

Python

SAS

R

Power BI

Job description

Location: London (Head Office)

Hours: Monday to Friday, 9:00am–5:30pm

Working Pattern: Hybrid (50/50)

Reports to: Head of Risk Reporting & Analysis

Department: Risk & Compliance – Credit Risk Analytics

Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions.

We offer niche specialty lines, as an SME bank, targeting under-served segments. Our dedicated Wholesale Finance, Bridging Finance, Development Finance and Specialist Mortgages teams ensure that businesses receive the outstanding service, lasting relationships, integrity, and expertise they need to prosper.

We also provide savings accounts to individuals and businesses and since we lend to SMEs, our savers can be sure their money will help boost the British economy. Our vision is to be the go-to bank in our chosen markets; to deliver positive customer outcomes, rewarding careers and great shareholder value through a high-performing culture grounded in excellence and integrity.

Discover more about working at HTB here - Life at HTB | Careers & Inside Hampshire Trust Bank (HTB)

About the Role

We’re looking for a highly motivated Lead Analyst to join our Credit Risk Analytics team at Hampshire Trust Bank.

This is a fantastic opportunity for an experienced credit risk professional to play a leading role in delivering high-quality risk reporting, analytics and insight that supports key business decisions across the bank.

Combining technical expertise, analytical capability and stakeholder leadership, you’ll be responsible for enhancing risk reporting, driving improvements in Power BI reporting solutions, supporting IFRS 9 reporting activities and strengthening data quality and governance across the organisation.

We're looking for someone who enjoys solving complex problems, takes ownership of delivery and is passionate about driving meaningful improvements rather than simply producing reports.

Key Responsibilities

Analytics & Power BI Delivery

• Lead the development and enhancement of Power BI dashboards and reporting solutions
• Translate business requirements into effective analytical and reporting outcomes
• Analyse large and complex datasets to identify insights and trends
• Improve reporting processes through automation and standardisation
• Ensure reporting is accurate, timely and delivers business value

Risk Reporting & IFRS 9

• Support the delivery and development of IFRS 9 reporting and expected credit loss analysis
• Contribute to model implementation, monitoring and reporting activities
• Produce and analyse credit risk reporting, identifying emerging risks and opportunities
• Work closely with Risk, Finance and Model Development teams to support reporting requirements
• Provide meaningful challenge and interpretation of risk data through robust analytical insight

Data Quality & Controls

• Identify, investigate and resolve data quality issues
• Conduct root cause analysis and implement sustainable solutions
• Strengthen data governance, controls and reporting standards
• Promote a culture of continuous improvement and data accuracy

Leadership & Stakeholder Management

• Act as a senior member of the team, providing guidance and support to analysts
• Build strong relationships with stakeholders across Risk, Finance, Data and Technology
• Manage competing priorities and drive delivery against deadlines
• Take ownership of key processes, reports and analytical frameworks
• Influence senior stakeholders and drive positive change across the business

Who You’ll Work With

You’ll Collaborate Closely With

• Director of Credit Analytics & Model Governance
• Head of Credit Modelling
• Head of Model Validation
• Chief Risk Officer and wider Risk team
• Chief Financial Officer and Finance teams
• Executive Committee members and Board sub-committees
• Technology and Data teams
• Internal and external auditors

What We’re Looking For

Qualifications & Experience

• Strong experience within Credit Risk Reporting and Analytics
• Practical experience of IFRS 9 reporting and expected credit loss methodologies
• Advanced Power BI skills including data modelling and DAX
• Strong experience using SQL, Python, SAS, R or similar analytical tools
• Experience analysing large datasets and translating findings into business insight
• Experience leading analytical projects or workstreams from design through to implementation
• Proven ability to improve reporting, analytics and data quality processes
• Strong understanding of risk reporting frameworks and controls

Desirable Experience

• Understanding of retail banking, commercial banking or consumer lending
• Experience in reporting automation and process improvement
• Experience supporting model implementation, monitoring or reporting
• Extensive experience in credit risk analytics
• Coaching, mentoring or leadership experience

Skills & Attributes

• Strong leadership and stakeholder influencing skills
• Excellent analytical and problem-solving capability
• Ability to communicate complex technical concepts clearly
• Strong commercial awareness and business understanding
• Ownership mentality with a focus on outcomes
• Comfortable operating in a fast-paced and evolving environment
• Proactive approach to continuous improvement and innovation

Benefits

• Competitive salary
• Discretionary annual bonus
• Hybrid working (50/50)
• 25 days annual leave (increasing with service) + Holiday Buy Scheme
• Private Medical Insurance (Bupa)
• Mental health & wellbeing support via Zurich & Bupa
• Pension scheme – 8% employer contribution (non-contributory)
• Cycle to Work & Green Car Schemes
• Interest-free season ticket loan
• Study support & professional memberships
• Annual volunteering day & Net Zero commitment

If you're an experienced credit risk professional with a passion for risk analytics, IFRS 9 reporting and data-driven decision making, we'd love to hear from you.