Lead Credit Risk Analyst - Consumer Lending / Loans

Michael Page; Birmingham; On-site; GBP 50,000 - 70,000; Full time

Job summary

A leading financial services company is seeking a Lead Credit Risk Analyst to develop and enhance credit risk modelling and analytics strategies. This role involves creating predictive models, analysing large datasets, and presenting actionable insights to decision makers. The ideal candidate will hold a degree in a relevant field and have experience within the financial services sector, demonstrating proficiency in data analysis and programming languages.

Qualifications

• Essential experience in the Financial Services Industry.
• Profound skills in working with large datasets.
• Strong proficiency in SQL and Excel.

Responsibilities

• Develop predictive models to assess credit risk and forecast customer behaviour.
• Analyse large datasets to identify trends and make recommendations.
• Conduct A/B testing to evaluate credit strategies.

Skills

Data Analysis

Credit Risk Modelling

Machine Learning

SQL

Excel

Python

R

Presentation Skills

Education

Degree in Data Science, Statistics, Computer Science, Economics or similar

Tools

Salesforce

Data Visualisation Tools

Job description

• Opportunity to develop and enhance credit risk modelling & analytics strategy
• Opportunity to join a rapidly expanding financial services company

About Our Client

Rapidly expanding financial services company

Job Description

This rapidly expanding financial services company are seeking a Lead Credit Risk Analyst to join their Consumer Lending function. Working with the Commercial Director you develop credit risk analytics solutions to enhance Credit Scoring & Lending decisioning to optimise and grow their loan portfolio.

Key Responsibilities:

• Developing and implementing advanced statistical models and preferably machine learning algorithms to predict credit risk, optimise credit scoring, and enhance our decision-making/underwriting processes.
• Develop and maintain predictive models to assess credit risk and forecast customer behaviour.
• Analyse large datasets to identify trends, patterns, and insights that inform business decisions.
• Perform data cleaning to ensure high-quality data for analysis,
• Conduct A/B testing and other experiments to evaluate the impact of credit strategies and policies.
• Develop credit risk models, such as probability of default (PD) using various modelling techniques.
• Working independently and presenting findings and recommendations to stakeholders in a clear and concise manner.

Key Skills / Experience:

• Experience in the Financial Services Industry (Essential)
• Experience working with large data sets, Excel and SQL proficiency (Essential)
• Degree in relevant subject (Data Science, Statistics, Computer Science, Economics or similar degree) (Essential)
• Strong proficiency in programming languages such as Python, R (Preferable)
• Experience using Salesforce and data visualisation tools (Preferable)
• Strong presentation skills, including the ability to translate complex data into understandable insight
• A great attention to detail and be process-oriented to review, suggest and implement improvements where appropriate.
• Able to work in a fast paced, changing environment.

The Successful Applicant

• Experience in the Financial Services Industry (Essential)
• Experience working with large data sets, Excel and SQL proficiency (Essential)
• Degree in relevant subject (Data Science, Statistics, Computer Science, Economics or similar degree) (Essential)
• Strong proficiency in programming languages such as Python, R (Preferable)
• Experience using Salesforce and data visualisation tools (Preferable)
• Strong presentation skills, including the ability to translate complex data into understandable insight
• A great attention to detail and be process-oriented to review, suggest and implement improvements where appropriate.
• Able to work in a fast paced, changing environment.

What's on Offer

Opportunity to develop and enhance credit risk modelling & analytics strategy

Opportunity to join a rapidly expanding financial services company