Lead Credit Risk Analyst

JR United Kingdom; Colchester; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A growing global finance business is seeking a Lead Credit Risk Analyst to join their team. This hybrid role will involve managing Credit Risk models, stakeholder management, and contributing to various projects within a fast-paced environment. The ideal candidate will have a strong background in modeling and advanced coding skills, accompanied by effective communication abilities. Join us and benefit from flexible working, travel support, and opportunities for career growth.

Benefits

Company car or £7,000 cash allowance

6% matched pension

Individual private medical

15% bonus

Career growth opportunities

Qualifications

• 2+ years’ experience in Credit Risk for a retail lending business.
• Strong presentation and communication skills.
• Ability to work in a fast-changing environment.

Responsibilities

• Own and develop Credit Risk models including scorecards and PD models.
• Ensure timely delivery of Credit Risk reporting.
• Conduct analysis on lending trends and project representation.

Skills

Advanced coding skills

Stakeholder management

Data governance

Presentation skills

Education

Degree in Math’s, Physics, Engineering or similar

Tools

SAS

SQL

Python

Job description

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HomeServe Consumer Finance are currently looking for a Lead Credit Risk Analyst to join our growing team!

Location: Hybrid – London (King’s Cross) & some travel to Leeds

Company: HomeServe EMEA

Job Type: Full-time

Salary and benefits: Up to £70,000, company car or £7,000 cash allowance, 6% matched pension, individual private medical and 15% bonus.

About HomeServe

HomeServe EMEA operates across multiple international markets, providing home repairs and improvement services. Acquired by Brookfield Infrastructure in 2023, we serve over 3.5 million customers and employ 6,000+ people across the UK, France, Belgium, Spain, Portugal, Germany, and Japan. With revenues reaching ~£1bn (FY23), we aim to become the leading European brand for home efficiency solutions.

The Opportunity

We are looking for a Lead Credit Risk Analyst to join our growing Credit Risk Team. This is an exciting opportunity to contribute to HomeServe’s newly established global Consumer Finance Business.

This role has a broad remit and covers modelling, reporting, analysis, and strategy. You will also be expected to contribute to other Credit Risk projects and initiatives as required. This role would suit somebody from a modelling background with relevant experience of other aspects of Credit Risk.

Hybrid role: Work from home with 2 days per week in our London office (King’s Cross). Occasional travel to Leeds. Essential travel costs covered.

Key Responsibilities

Own a suite of Credit Risk models – including application scorecards, PD models and IFRS9 / ECL models. Primarily existing models, but you should be able to build bespoke models from scratch when required.

Ensure the timely delivery of routine and ad hoc Credit Risk reporting – this includes the production of monthly reporting for Credit Risk Committee.

Ad hoc analysis – carrying out analysis and deep dives to understand emerging trends within our new lending and loan books, and making recommendations for change.

Projects – represent Credit Risk on cross-team projects.

Stakeholder management – you must be able to engage with and influence colleagues and stakeholders at all levels.

Data Governance - Maintain data quality assurance and build a credit data dictionary.

What We are Looking For:

• A degree in Math’s, Physics, Engineering or similar.
• Advanced coding skills in SAS, SQL, or Python.
• 2+ years’ experience gained in a Credit Risk team for a retail lending business
• Ability to work in a fast-changing environment with new teams and data structures.
• Strong presentation and communication skills.
• The ability to confidently manage stakeholders of all levels and present material at board level committees.
• Bonus: Fluency in Spanish, German, or French.

Why Join HomeServe?

Be part of a rapidly growing global finance business.

Work in a data-driven, innovative environment.

Hybrid working with flexibility and travel support.

Opportunities for career growth and future leadership