Senior Credit Risk Analyst

Mobilize Financial Services; Maple Cross; On-site; GBP 40,000 - 60,000; Full time

Job summary

A leading financial services company is seeking a Credit Risk Analyst to manage and assess credit risk throughout the product lifecycle. The role involves evaluating client creditworthiness, monitoring existing portfolios, and collaborating with cross-functional teams to ensure effective risk management. The ideal candidate will have a strong background in credit risk processes, excellent analytical skills, and the ability to communicate insights effectively. This position offers opportunities for personal growth and development in a supportive environment.

Benefits

28 days holiday

Bonus

Qualifications

• Experience in credit risk management processes within Financial Services.
• Ability to analyse complex data sets and identify trends.

Responsibilities

• Evaluate and optimise creditworthiness assessment during onboarding.
• Monitor credit risk profile of existing portfolios and implement strategies.
• Prepare and present detailed analysis and reports to senior management.

Skills

Analytical Skills

Problem Solving

Communication

Organizational Skills

Education

Knowledge of FCA and PRA regulations

Tools

SAS

SQL

Microsoft Office

Job description

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You will be responsible for analysing and assessing the credit risk of our portfolios throughout the product lifecycle, including both onboarding/lending and in-life credit policies. This role emphasises the evaluation and management of credit risk, ensuring that our credit policies are robust and effective. You will provide critical insights and recommendations to support decision-making processes, focusing on maintaining the health and performance of our credit portfolios.

Working closely with the modelling and loss forecasting teams, you will ensure that data-driven insights and recommendations are made to maintain and improve the Bank’s credit risk position.

What you will do:

• Evaluate and optimise the creditworthiness assessment of potential clients during the onboarding phase, ensuring alignment with relevant regulation and the company's risk appetite.
• Monitor the credit risk profile of existing portfolios, identifying and addressing potential risks throughout the loan lifecycle. Develop and implement strategies to mitigate credit risk, ensuring the effectiveness of in-life credit policies.
• Work closely with loss forecasting and credit modelling teams, as well as collaborating with cross-functional teams, including but not limited to underwriting, collections, compliance and risk, to ensure cohesive risk management practices.
• Stay updated on industry trends, regulatory changes, and best practices in credit risk management to ensure the company's policies remain current and effective.
• Analyse, recommend and implement opportunities to maximise customer and regulatory outcomes whilst balancing portfolio risk and growth.
• Prepare and present detailed analysis and reports to senior management and other stakeholders, highlighting key findings and recommendations.
• Contribute to the delivery of key business projects as required

What you will bring:

• Comprehensive knowledge and experience of credit risk management processes within Financial Services, across all aspects of the credit life-cycle, particularly on on-boarding processes.
• In-depth knowledge of prevailing regulation under both the FCA and PRA regimes (inc. CONC, Consumer Duty). Knowledge of ECB regulation desirable.
• Ability to proactively problem solve and analyse complex data sets, identify trends, and make data-driven decisions.
• High level of proficiency with analytical data tools (such as SAS, SQL & Microsoft Office).
• Excellent communication skills and adept at presenting to stakeholders at all levels, as well as strong organisational and time management skills to handle multiple tasks and projects efficiently.
• Act as a coach and a mentor, supporting the development of junior team members.

Benefits for the role:

• 28 days holiday
• Bonus

Who is Mobilize Financial Services?

We are the financial partner of Renault group brands and we also operate for Nissan and non-Allianz brands. We aim to strengthen their profitable growth and reinforce customer satisfaction. We are a unique commercial brand to meet all customers car-related and mobility needs. As a partner who cares for all its customers, we build innovative financial services to create sustainable mobility for all.

How We Support Your Development:

At Mobilize Financial Services we believe in the power of continuous learning and personal growth. As we strive to cultivate a dynamic and innovative work environment, we recognise that investing in the development of our employees is paramount and everyone should have the opportunity and tools to thrive and reach their full potential. As a part of our team, you'll benefit from a variety of ongoing learning opportunities, including workshops, seminars, and online courses. Our mentorship program pairs employees with seasoned professionals who provide guidance tailored to individual career goals. Joining our supportive network means you'll be surrounded by colleagues dedicated to continuous improvement, fostering an environment where collaboration and growth thrive.

Renault Group is an Equal Opportunity Employer. We are committed to foster a working environment inclusive of everyone, regardless their background, gender, social or ethnic origin, age, religion, sexual orientation or gender identity, and despite any disability or health problem, a working environment respectful of the individual strengths, views, and experience. We firmly believe that our differences enable us to be a better team and to maximize value creation within our Group

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Analyst, Product Management, and General Business

• Industries

  Banking and Financial Services

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