Portfolio Risk Analytics Lead

Propel Holdings UK Limited; Nottingham; On-site; GBP 70,000 - 90,000; Full time

Benefits offered by this job

Pension

25 days holidays, increasing by 1 day

Growth and opportunity

Incredible company culture

Culture of innovation, collaboration

Job summary

Propel is seeking a senior Portfolio Performance Analyst to monitor and improve credit portfolio performance within a responsible lending framework. You will partner with Risk Strategy, Commercial, Compliance, IT and Finance to deliver data-driven changes into production.

You will lead analytics reporting, develop governance-ready metrics and mentor a team of analysts to build stronger analytical capability, supporting growth and better customer outcomes in a fast-paced fintech environment.

Qualifications

• Degree in Maths, Data Science, Statistics, Economics or similar.
• 5+ years’ experience in credit risk/financial services strategy with strong experience in risk analytics including approval rates, roll rates, default rates, expected loss and profitability.
• Strong understanding of FCA regulatory landscape and regulatory frameworks.
• Proficiency in Python, R, SQL or other programming languages.
• Experience working with credit bureau data and large multi-source data.
• Strong understanding of strategy governance and risk strategy management expectations.
• Ability to communicate technical insights to non-technical audiences effectively. Detail-oriented and process-driven with a focus on continuous improvement.
• Comfortable working in a fast-paced, evolving environment.
• Experience using Snowflake and data visualisation tools preferred.
• Experience in managing and developing analytical teams.

Responsibilities

• Portfolio Performance: Lead design of robust portfolio performance metrics across key credit risk metrics including delinquency and default rates to identify emerging trends and potential risks.
• Risk Appetite: Monitor portfolio performance against approved risk appetite thresholds and elevate action where risk appetite is breached, through internal governance frameworks and in line with regulatory expectations.
• Analytics Reporting: Lead design, development and optimisation of portfolio performance reports to governance committees.
• Early Risk Identification: Lead and influence ad-hoc deeper dive root cause analysis where credit deterioration and portfolio shifts are identified.
• Tactical change: Drive end-to-end delivery of tactical actions to mitigate immediate portfolio risks and opportunities, partnering with Risk Strategy, IT and Customer Experience to ensure safe and traceable deployments.
• People Management: Manages and supports a team of analysts, developing analytical capability within the team through coaching, mentoring and structured support.

Skills

Python

R

SQL

Data analysis

Credit risk analytics

Communication

Education

Degree in Maths/Data Science/Statistics/Economics

Tools

Snowflake

Power BI

Job description

Propel is seeking a senior Portfolio Performance Analyst to monitor and improve credit portfolio performance within a responsible lending framework. You will partner with Risk Strategy, Commercial, Compliance, IT and Finance to deliver data-driven changes into production.

You will lead analytics reporting, develop governance-ready metrics and mentor a team of analysts to build stronger analytical capability, supporting growth and better customer outcomes in a fast-paced fintech environment.