Senior Credit Risk Analyst

MERJE; United Kingdom; On-site; GBP 55,000 - 70,000; Full time

Job summary

A leading company in consumer lending is seeking a Lead Credit Risk Analyst to enhance credit risk strategies and support product initiatives. The ideal candidate will possess strong analytical skills with experience in consumer lending products and FCA regulations. This role requires collaborative working and clear communication to drive positive customer outcomes.

Qualifications

• Experience in Credit Risk Analytics or similar roles with secured or unsecured products.
• Knowledge of FCA regulations in consumer lending.

Responsibilities

• Develop and improve credit risk strategies driven by data.
• Lead complex analytical projects with minimal guidance.
• Ensure compliance with regulations and enhance customer outcomes.

Skills

Analytical capabilities

Attention to detail

Collaborative work

Clear communication

Education

Degree in analytical/numerical field or equivalent

Tools

SAS

SQL

VBA

Python

Job description

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3 days a week in various office locations

Our Client is on the search for a Lead Credit Risk Analyst to join their growing team.

Key Responsibilities:

• Developing, maintaining and improving credit risk strategies to allow the business to make high quality decisions for our customers driven by data.
• Providing analyses to run credit portfolios against agreed performance indicators.
• Supporting growth in the business through the delivery of WPB initiatives, delivering analytics to enable the design and roll-out of new lending products, enhancing existing product features and managing the exposure of our existing customers.
• Leading complex analytical projects to completion with minimal guidance;
• Formulating and clearly communicating conclusions and proposals giving consideration to the risk, reward and customer impact, collaborating with teams to make decisions;
• Identifying solutions to emerging risk issues, changing priorities, project completion issues and areas of conflict;
• Challenging established policy and procedures, where appropriate and suggesting improvements;
• Ensuring portfolio strategies and processes are aligned with the appropriate regulations and regulator guidance;
• Building strong interpersonal relationships and engaging with the wider organisation to provide insight and support for changes required to improve customer outcomes;
• Build relationships with and shape the development of junior team members and offshore analysts improving their knowledge, understanding and experience;
• Report progress on initiatives to Senior Management/governance forums on a regular basis;
• Maintain the highest standards of documentation

Key Requirements:

• Previous experience in a relevant role, e.g. Credit Risk Analytics, Collections Analytics or an Analysis based role, with experience of secured or unsecured products;
• Excellent attention to detail and a track record of analytical capabilities using relevant software packages (i.e. SAS/SQL/VBA/Python) to analyse large amounts of data, draw conclusions and drive actions;
• An understanding of consumer lending products, profitability and credit risk;
• Experience of successful project management, working across a range of teams to deliver;
• You enjoy working collaboratively and are a clear communicator;
• Knowledge of FCA regulations and experience of their application in a consumer lending environment
• Possess a degree/qualification in an analytical/numerical field or equivalent

Send your CV to nmohamedmerje

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