Risk Analyst (Credit Focus) - 12 month FTC

Saffron Building Society; Saffron Walden; On-site; GBP 35,000 - 55,000; Full time

Job summary

Join a leading financial services institution as a Risk Analyst focused on Credit Risk. Contribute to the development and oversight of credit policies, ensuring regulatory compliance, and delivering valuable insights through data analysis. This role offers opportunities for professional growth in a collaborative environment with a comprehensive benefits package.

Benefits

33 days holiday including bank holidays

Holiday Exchange Scheme (buy or sell holiday days)

Performance-dependent annual bonus

Company pension scheme with contributions

Life assurance & income protection

Access to mental health first aiders

Qualifications

• Proven experience in credit risk, policy, or risk governance roles within financial services.
• Strong analytical skills to present data effectively.
• Experience with SAS, SQL, or Python for data analysis.

Responsibilities

• Monitor credit risk performance of the portfolio.
• Develop credit risk policies across the lending lifecycle.
• Support risk appetite setting and reporting.

Skills

Analytical skills

Data presentation

SAS

SQL

Python

Stakeholder management

Education

Degree in Mathematics, Statistics, Economics

Job description

Risk Analyst (Credit Focus) - 12 Month FTC

Join Our Team as a Risk Analyst at Saffron Building Society!

Are you a detail-oriented professional with a passion for numbers and data analysis? Do you thrive in dynamic environments where your analytical skills can make a real difference? If so, we have an exciting opportunity for you!

About Us:

At Saffron Building Society, we are dedicated to providing our members with exceptional service while ensuring the stability and integrity of our financial operations. We are looking for a talented Risk Analyst to join our team and contribute to our mission of effective risk management in the financial services sector.

About the Role:

The Risk Analyst will focus primarily on Credit Risk, supporting ongoing monitoring and oversight of the society's lending. You will contribute to the development of credit policies and related models, including affordability assessments and stress testing, to ensure prudent and regulatory-compliant credit risk management.

Key Responsibilities:

1. Monitor credit risk performance of the portfolio, including arrears, provisions, and portfolio trends.
2. Maintain and develop credit risk policies across the lending lifecycle, including underwriting, portfolio management, and collections.
3. Provide second-line oversight of credit decisioning.
4. Support risk appetite setting, monitoring, and reporting.
5. Review proposed product changes and credit strategies from a policy and risk perspective.
6. Assist with regulatory submissions, audits, and Board/Committee reporting.

Key Skills & Experience:

• Proven experience in credit risk, policy, or risk governance roles within financial services.
• Strong analytical skills with the ability to present data clearly and effectively.
• Proficiency in SAS, SQL, or Python for data manipulation, analysis, and modeling.
• A degree in a numerate discipline such as Mathematics, Statistics, Economics, or equivalent experience.
• Excellent written and verbal communication skills, with the ability to engage and manage stakeholders at all levels.

Why Saffron?

• Collaborative Environment: Join a supportive team where your contributions are valued.
• Professional Development: We foster growth through continuous learning and development opportunities.
• Competitive Benefits: Enjoy a comprehensive benefits package reflecting our commitment to employee well-being.

If you're ready to advance your career and make an impact in the financial services sector, we want to hear from you!

Apply today and help shape the future of Saffron Building Society!

Rewards & Benefits:

• 33 days holiday including bank holidays
• Holiday Exchange Scheme (buy or sell holiday days)
• Performance-dependent annual bonus
• Company pension scheme with 5% employee and 8.5% employer contributions (subject to eligibility, T&Cs)
• Life assurance & income protection
• A flexible and supportive working culture, including access to mental health first aiders