Lead Credit Risk Analyst

Three; Glasgow; Hybrid; GBP 80,000 - 100,000; Full time

Job summary

A leading financial firm in Glasgow is seeking a Credit Risk Analyst to enhance credit policies through data-driven analysis. The role involves collaborating with stakeholders and optimizing decision-making processes. Candidates should have experience in managing credit scorecards and advanced analytical skills, including Excel and SAS. This position offers competitive salary, hybrid working options, and various benefits, including private medical insurance.

Benefits

Competitive annual salary

Performance-based bonus

Private Medical Insurance

Free mobile phone package

Qualifications

• Experience managing and developing credit scorecards.
• Advanced Excel skills including Macros and VLOOKUP.
• Experience in data analysis using SAS/SQL or similar tools.

Responsibilities

• Monitor and enhance credit scorecards and decision performance.
• Collaborate with team leads to identify risks and improve processes.
• Analyze data to provide insights that influence credit policies.

Skills

Credit scorecard management

Advanced Excel skills

Data analysis with SAS/SQL

Mathematical or finance-related knowledge

Education

Degree in a relevant field

Tools

Excel

SAS

SQL

Alteryx

Python

Job description

Company Description

We are a dynamic and innovative company committed to managing credit risk effectively. Our team plays a crucial role in ensuring the financial health of our organization while maintaining a positive customer experience.

As a Credit Risk Analyst, you will be at the forefront of decision-making. Your insights and data-driven recommendations will directly impact our credit policies, strategies, and overall success.

Job Description

• Monitor, maintain and enhance critical credit scorecards and decisioning performance across consumer and business journeys.
• Collaborate with other team leads to identify risks, improve processes, and optimize connections to our network.
• Engage with stakeholders across different business areas to align strategies and achieve company goals.
• Provide valuable feedback on propositions, projects, and services.
• Analyze data using Excel, SAS, Alteryx, and Python to identify trends and opportunities.
• Challenge existing credit policies and propose effective changes.
• Perform regular and ad-hoc tasks, delivering actionable insights to drive positive outcomes.

Qualifications

• Experience managing and developing credit scorecards (Essential).
• Advanced Excel skills (Macros, Pivots, VLOOKUP, conditional formatting, etc.). VBA knowledge is beneficial.
• Recent experience analyzing data using SAS / SQL, Alteryx, or similar tools (within the last 6 months).
• Mathematical or finance-related degree or proven experience at a senior / lead analyst level.

What you'll receive in return…

Competitive annual salary, a performance based annual bonus & an additional 'flexible allowance' to spend on additional benefits, topping up your pension, or to be added to your salary.

Hybrid working between your home (2-3 days a week) and Glasgow / Reading office (2-3 days a week mandatory)

28 days annual leave + 8 bank holidays + 3 personal days annually, which increases with length of service

Private Medical Insurance, Life Assurance and Income Protection

• Free mobile phone package & unlimited sim‑card
• ... Plus lots more including wellbeing and learning & development benefits!

Salary range for this role starts at £37,200 and exact salary will differ by job and experience.

Additional Information

Our people make us who we are. We’re a diverse and inclusive bunch, and it’s important you can feel you belong here. We value everybody for who they are and what they bring to the table, supporting one another as we continue to deliver for our customers.

With that in mind, if you do not ‘tick every box’ in the job advert above, there are likely other valuable attributes and skills you have that would make you a great addition for the team. So, if you feel this role is for you, then please apply! We are committed to equality in employment and growing a diverse workforce. We embrace those of any race, gender identity, sexual orientation, age, religion, disability, marital status, family status or civil status and we want our teams to reflect this!

We are a Disability Confident Committed Employer. Need any reasonable adjustments? Let us know when you apply so we can support you throughout the interview process.