Senior Credit Risk Analyst

Yolk Recruitment Ltd; Cardiff; On-site; GBP 40,000 - 60,000; Full time

Job summary

A leading recruitment agency is seeking a Senior Credit Risk Analyst with scorecard development expertise to join a forward-thinking Risk team in Cardiff, UK. In this role, you'll lead the development of credit risk scorecards, generate PD models for informed credit decisions, and collaborate across departments to enhance credit policies. Ideal candidates have a background in Credit Risk, proficiency in SAS and SQL, and a proactive approach to analytics. This position offers a chance to influence credit strategies and advance your career.

Qualifications

• Proven experience in scorecard development (application, behavioural, or collections).
• Solid understanding of PD modelling concepts and risk analytics.
• Experience in B2B lending, asset finance, or consumer/retail banking.

Responsibilities

• Lead the development and monitoring of credit risk scorecards.
• Generate insightful PD models and analytics for credit decisions.
• Collaborate with stakeholders to shape credit policies.

Skills

Scorecard development

Credit Risk

SAS

SQL

PD modelling

Tools

Tableau

Python

Job description

🌟 Senior Credit Risk Analyst - Scorecard Development Specialist 🌟

Are you an analytical thinker with a passion for building high-performing credit risk solutions? We're looking for a Senior Credit Risk Analyst with strong scorecard development expertise to join our forward-thinking Risk team. This is a fantastic opportunity to take ownership of high-impact modelling projects and influence credit strategies across the business.

🔍 What You'll Do

• Lead the development, enhancement, and monitoring of credit risk scorecards - this is the core challenge and focus of the role.
• Generate insightful PD models and analytics to support informed and effective credit decisions.
• Play a key role across the full credit risk lifecycle, ensuring models and processes drive robust and sustainable lending decisions.
• Collaborate with stakeholders across Risk, Data, and Finance to shape and optimise credit policies.

💼 What We're Looking For

• Proven experience in scorecard development (application, behavioural, or collections).
• Background in Credit Risk-ideally within B2B lending or asset finance, though consumer/retail banking experience is also welcome.
• Strong technical skills in SAS and SQL (essential).
• Experience with Tableau and/or Python is advantageous but not mandatory.
• Solid understanding of PD modelling concepts and risk analytics.
• Broad knowledge of the credit risk cycle and how analytics support each stage.

✨ Why Join Us?

You'll be part of a collaborative team working on innovative analytics and risk strategy, with the autonomy to drive meaningful improvements and the support to grow your technical and strategic skillset.

If you're ready to take the next step in your credit risk career and thrive in a role where your expertise truly counts, we'd love to hear from you.