Senior Credit Risk Analyst

TN United Kingdom; Chatham; Hybrid; GBP 45,000 - 75,000; Full time

Job summary

An established industry player is on the lookout for a Senior Credit Risk Analyst to enhance their analytical capabilities. This role offers a hybrid working pattern, allowing flexibility while fostering collaboration. You will be instrumental in developing and validating credit risk models, ensuring compliance with governance frameworks, and improving data quality. This position not only involves technical expertise but also requires excellent communication skills to convey insights effectively. Join a dynamic team that values diverse backgrounds and supports your professional growth through continuous learning opportunities.

Benefits

Discretionary annual bonus

25 to 30 days holiday

Pension scheme with up to 10% matched contributions

Paid 'give back' day

Access to LinkedIn Learning

Qualifications

• Strong quantitative skills and experience in credit analytics.
• Proficiency in statistical modelling and data quality evaluation.

Responsibilities

• Develop and validate credit risk models supporting governance processes.
• Evaluate data quality and communicate insights effectively.

Skills

Quantitative Analysis

Credit Analytics

Statistical Modelling

Data Quality Evaluation

Coding (SAS/SQL/R)

Education

Degree in Finance, Mathematics, or related field

Tools

SAS

SQL

R

Microsoft Office

Job description

We are seeking a Senior Credit Risk Analyst to join our team, with locations in London, Bradford, Chatham, or Petersfield. Occasional travel to other offices will be required. The role offers a hybrid working pattern, typically 1 to 3 days in the office per week.

Benefits include: discretionary annual bonus, 25 to 30 days holiday, pension scheme with up to 10% matched contributions, paid 'give back' day, and access to LinkedIn Learning.

Responsibilities:

1. Develop and validate credit risk models, supporting model governance processes.
2. Evaluate data quality and communicate insights.
3. Research and implement credit risk modelling improvements and regulatory recommendations.
4. Assess business impacts of new models through sensitivity analysis.
5. Monitor and report on model performance.
6. Support model approval processes and documentation.
7. Participate in governance and technical forums, adhering to FCA conduct rules.

Required skills and experience: Strong quantitative and credit analytics skills, experience with statistical modelling, data quality evaluation, and coding (SAS/SQL/R). Experience in consumer credit, especially sub-prime or online lending, and familiarity with governance frameworks are essential.

Preferred qualifications: Practical knowledge of statistical techniques, excellent communication skills, proficiency in data mining tools, Microsoft Office, IFRS9, and credit risk forecasting.

Interview process: Includes a telephone screening, a competency-based interview with the hiring team, and a final interview with the Head of Credit Risk. The process typically takes up to 4 weeks.

We support flexible working arrangements and encourage applications from candidates with diverse backgrounds. Background checks are required prior to offer acceptance.