Senior Credit Risk Analyst
Together - loans, mortgages & finance
An application made for this job — a tailored resume and cover letter that speak straight to the posting.
Benefits offered by this job
Job summary
Together seeks a Senior Credit Risk Analyst in the UK to oversee 1st line credit risk management, help develop risk strategies, and support risk committees across product portfolios. You will analyze portfolio risks, forecast arrears, and escalate material risks while partnering with stakeholders.
The role focuses on strengthening affordability and credit strategies, governance, and data driven decision making to protect the loan book and support growth.
Qualifications
- Numerical degree, strong analytical skills and excellent attention to detail.
- Experience in a credit risk environment.
- A solid grounding in data analysis using quantitative analytic tools.
- Strong SQL skills.
- Strong understanding of the fundamental concepts of credit risk management.
- Advanced Excel skills.
- Experience of using complex data.
Responsibilities
- Have oversight of first line credit risk management activity.
- Analyse portfolio credit risks, providing timely and accurate updates to risk committees.
- Pro-actively identify trends and insights based on regular credit risk reporting.
- Support the Senior Manager Credit Risk with input and running of 2nd line oversight committees.
- Perform analysis to support changes to credit risk strategies, lending and arrears management policies.
- Support development and monitoring of new products and strategies.
- Maintain governance, procedures and records.
- Build and maintain a strong stakeholder network to share risk insight.
Skills
Education
Tools
Job description
- 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
- Free access to company holiday homes
- Buy & sell holidays
- Discretionary annual bonus plus an additional Shared Reward Bonus
- Life assurance and Critical illness cover
- Travel season ticket loans and Ride to work scheme
- Free local gym access
- Local bar / restaurant discounts
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We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans.
Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.
- 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
- Free access to company holiday homes
- Buy & sell holidays
- Discretionary annual bonus plus an additional Shared Reward Bonus
- Matched pension contribution
- Health cash plan plus Private medical insurance
- Life assurance and Critical illness cover
- Travel season ticket loans and Ride to work scheme
- Free local gym access
- Local bar / restaurant discounts
–––––––––––––
We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans.
Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.
As a Senior Credit Risk Analyst you will be responsible for supporting the oversight of first line credit risk management and the reporting and development of product standards. You will analyse portfolio risks and concentrations and build portfolio and arrears forecasting; escalating material risks to committees as required. You will also support the Senior Manager Credit Risk in the development of cost of risk and use of credit scoring strategies for our product portfolios. In liaison with key stakeholders you will identify key pockets of credit risk and ensure that these are being appropriately managed.
As a Senior Credit Risk Analyst we are looking for someone to:
- Have oversight of first line credit risk management activity
- Analyse portfolio credit risks, providing timely and accurate updates to risk committees.
- Pro-actively identify trends and insights based on regular credit risk reporting, supporting the Senior Credit Risk Manager with the actions required to address areas of concern/opportunity, working with the first line credit risk team
- Support the Senior Credit Risk Manager with the input and running of 2nd line oversight committees and regular routines
- Perform analysis to support changes to credit risk strategies, lending and arrears management policies
- Support development and monitoring of new products and strategies
- Analyse portfolio risks and concentrations and build portfolio and arrears forecasting; escalating material risks to committees as required.
- Support the Senior Manager Credit Risk in the development of cost of risk and use of credit scoring strategies
- Liase with key stakeholders, identify key pockets of credit risk and ensure that these are being appropriately managed.
- Support the development of affordability, valuation and credit strategies
- Maintain comprehensive governance, procedures and records
- Build and maintain a strong stakeholder network to share credit risk expertise and insight across the organisation
Essential:
- Numerical degree, strong analytical skills and excellent attention to detail
- Experience in a credit risk environment
- A solid grounding in data analysis using quantitative analytic tools.
- Strong SQL skills
- Strong understanding of the fundamental concepts of credit risk management
- Advanced Excel skills
- Good understanding of risk management of secured lending portfolios.
- Experience of using complex data
Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
If you feel you'd benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.
Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.
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