Senior Credit Risk Analyst

Yorkshire Building Society; Leeds; On-site; GBP 40,000 - 60,000; Full time

Job summary

A leading financial institution in the UK is seeking a Senior Credit Risk Analyst to enhance its Credit Risk solutions. This role involves developing strategic support for borrowers, ensuring responsible lending, and producing insightful credit risk analytics. Ideal candidates will have strong backgrounds in credit risk, data manipulation, and analytical thinking. Benefits include 25 days of holiday, pension contribution, and flexible working options that promote work-life balance.

Benefits

25 days holiday plus Bank Holidays

On-target bonus of up to 15%

Pension contribution up to 11%

Access to private medical insurance

Discount portal for retail and hospitality

Qualifications

• Proven experience in Credit Risk or similar analytically based roles.
• Outstanding analytical and problem-solving skills to identify data trends.
• Continuous improvement mindset and excellent communication abilities.

Responsibilities

• Develop strategic support for borrowers to ensure positive outcomes.
• Support growth aspirations while managing credit risks.
• Analyse data to inform risk exposure and assurance levels.

Skills

Credit Risk expertise

Data manipulation

SAS or similar statistical packages

SQL

Microsoft Excel

Analytical skills

Excellent communication skills

Job description

As a Senior Credit Risk Analyst you will be a key member of our team, leveraging your Credit Risk expertise to help YBS deliver its objectives. You will get the chance to be involved in a range of interesting projects and initiatives. Some of the areas you could be responsible for:

Responsibilities

• Develop our strategic support for existing borrowers, proactively seeking methods to ensure good outcomes for customers through the development of our solutions and engagement strategies for borrower‑facing financial difficulties.
• Support YBS growth aspirations whilst ensuring lending is responsible. Work with other areas of the business to evolve our risk appetite controls, balancing risk and reward while ensuring credit risks are managed.
• Analyse portfolio and customer data. Build an in‑depth understanding of the internal and external data held across the society to inform the risk exposures and assurance levels across our retail lending portfolio.
• Ensure high quality, insightful credit risk analytics are produced. Produce credit risk analytics that provide real insight and inform strategic decision‑making.
• Support others by using your expert knowledge and experience to assist team members and colleagues across the business.

Qualifications

• Proven experience in Credit Risk or other similar analytically based roles.
• Expert skills in data manipulation, SAS (or similar statistical packages), SQL and Microsoft Excel.
• Knowledge of the retail mortgage market would be beneficial but is not essential if you have experience in other Financial Services or similar.
• Outstanding analytical and problem‑solving skills with the ability to identify trends or areas of concern within data.
• Continuous improvement mindset and always looking for ways to improve processes.
• Excellent communication skills and the ability to present findings and influence at a senior level.
• We have an exciting opportunity for a Senior Collections Credit Risk Analyst to join our Credit Risk team at YBS.

The Credit Risk team is an integral part of YBS’s Risk Centre of Excellence. We pride ourselves on working collaboratively with our colleagues in teams across the business, including Trading, New Product Development, Finance and Collections & Recoveries to ensure we are identifying, mitigating and managing conduct and credit risks.

Above all else, the Credit Risk function helps YBS to deliver real help with real lives in a safe and responsible way. At YBS we don’t have shareholders; we have members. We care about people and that includes you. So here, you’ll be respected for who you are, you’ll be able to bring your whole self to work, and you’ll have everything you need to build a long and rewarding career. Flexibility. We offer a range of flexible working options without unsocial hours, which can help you find a healthy work‑life balance. Whether it’s finishing early for an appointment or fitting your studies and hobbies around your working hours, we can help make it work for you. We’re happy to talk flexible working and you can reach out to us anytime to discuss this during the recruitment process. Development. We want you to feel challenged here. Whatever your ambitions, we’re committed to helping you develop your skills and move ahead in your career journey. From day one, we’ll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly. Inclusivity. We’re passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you’ll go the extra mile to help our members, you’ll fit right in and feel you belong here.

Benefits

• Holiday: You’ll get 25 days plus Bank Holidays, and the option to buy up to 5 additional days.
• Bonus: When we reach our goals, we reward everyone with an on‑target bonus of 7 % of eligible pay (with the opportunity to earn up to 15 %).
• Pension: We’ll contribute up to 11 % into your YBS pension.
• Health & Wellbeing: Access to a range of health benefits, including private medical insurance, dental and healthcare plans.
• My Benefits: Access to our self‑service portal for retail, hospitality and health discounts.