Lead Credit Risk Analyst

MERJE; West Yorkshire; On-site; GBP 45,000 - 65,000; Full time

Job summary

A financial services company is looking for a Credit Risk Analyst in West Yorkshire, UK. You will analyze and optimize credit decision strategies, ensure regulatory compliance, and support projects with credit risk expertise. The ideal candidate has at least 5 years of data analytics experience and expertise in credit systems. Remote work is not available for this position.

Qualifications

• Minimum 5 years' experience in data analytics.
• In depth knowledge of the credit customer lifecycle.
• Good working knowledge of credit systems and data.
• Good understanding of Credit Reference Agency data.
• Awareness of applicable consumer credit regulation.
• Ability to derive and communicate insight from data.

Responsibilities

• Define and lead statistical analysis to optimize credit decision strategies.
• Conduct ad-hoc analysis for business decisions and risk investigation.
• Plan and lead analytical projects ensuring quality and timeliness.
• Implement approved changes to credit decisioning systems.
• Support business-wide projects with credit risk expertise.
• Interpret MI to identify trends, risks and opportunities for senior management.
• Support cross-department projects with credit risk expertise.
• Provide training for senior/credit risk analysts.
• Identify and implement continuous improvement initiatives.
• Ensure compliance with UK regulations, policies and FCA Conduct Rules.

Skills

Statistical analysis

Credit customer lifecycle knowledge

Data manipulation

Microsoft Office

Advanced Excel

SAS

SQL

Tools

SAS

SQL

Excel

Job description

Overview

MERJE is seeking a Credit Risk Analyst based in West Yorkshire, United Kingdom. The role focuses on leading statistical analysis to review and optimise credit decision strategies, processes and models; undertaking ad-hoc analysis to inform business decisions and investigate risk issues; planning and leading analytical projects to ensure timely delivery and quality. You will also lead the implementation of approved changes to the credit decisioning systems, develop new management information (MI) reports, interpret MI to identify trends and opportunities, support cross-department projects with credit risk expertise, provide training for senior/credit risk analysts, and drive continuous improvement. You will ensure compliance with all applicable UK and local regulations, Company Policies and FCA Conduct Rules. The range is provided by MERJE and your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Responsibilities

• Define and lead statistical analysis to review and optimise credit decision strategies, processes and models.
• Undertake ad-hoc analysis to inform business decisions and investigate specific risk issues.
• Plan and lead analytical projects ensuring timescales are met and quality is maintained.
• Lead the implementation of approved changes to the credit decisioning systems, acting as primary credit contact.
• Plan and lead the development of new MI reports to meet business needs.
• Interpret MI to identify emerging trends, risks and opportunities. Communicate these to senior management to inform and influence business decisions.
• Support business wide projects and other departments with credit risk expertise and analysis.
• Provide support and training for senior/credit risk analysts
• Identify and implement continuous improvement initiatives to increase efficiency, resolve issues and/or improve business performance.
• Ensure compliance with all applicable UK and local regulations, Company Policies and FCA Conduct Rules

Key Requirements

• Minimum 5 years’ experience in data analytics
• In depth knowledge of the credit customer lifecycle
• Good working knowledge of credit systems and data
• Good understanding of Credit Reference Agency data and its application.
• Awareness of applicable consumer credit regulation.
• Advanced skills in data manipulation and analytical techniques.
• Ability to derive and communicate insight from data/Management Information.
• Competent in Microsoft Office, Advanced Excel
• Advanced SAS/SQL capability

Contact

Send your CV to [e-mail]

Sponsorship

No sponsorship can be provided