Senior Credit Risk Analyst (12 months FTC)

Close Brothers Group; United Kingdom; On-site; GBP 40,000 - 60,000; Full time

Job summary

Join the Close Brothers Risk Team as a Credit Risk Analyst, responsible for developing and implementing credit acquisition strategies. Ideal candidates will have strong analytical skills, experience in credit systems, and the ability to communicate complex information effectively. Enjoy a hybrid working environment with a commitment to diversity and inclusion.

Benefits

Private medical

Discounted health checks

Stakeholder pension contribution

Cycle to work scheme

Gym discounts

Purchase additional holiday

Qualifications

• Experience in designing and implementing Credit acquisition strategy.
• Strong knowledge of credit bureau data and systems.
• Proven experience in a Credit Risk role within Financial Services.

Responsibilities

• Undertake analysis of Credit acquisition strategy to provide insights.
• Build and test new credit risk strategies and policy rules.
• Support Credit Risk and Affordability projects with analysis.

Skills

Analytical mindset

Communication skills

Coding skills

Credit bureau data knowledge

Education

Experience in Credit Risk role

Tools

SAS

SQL

Alteryx

Business Objects

Job description

The Vacancy

OVERALL SUMMARY

At Close Brothers we look to recruit individuals from all different backgrounds and encourage you to apply even if you don't tick every box. We celebrate diversity, promote inclusivity and are open to discuss flexible work options to help you balance your work and home life.

Join the Close Brothers Risk Team where you will be responsible for building, testing, implementing, and maintaining new business strategies within Close Brothers credit decisioning systems. Working as part of the Risk team our ideal team member will have previous experience in designing and implementing Credit acquisition strategy including the setting of credit and affordability strategies, policies, bureau data and credit systems with excellent coding skills, with experience using tools such as SAS, SQL, Alteryx, Business Objects or other similar data analytical tools.

RESPONSIBILITIES

• Undertake analysis of Credit acquisition strategy (including affordability) to provide insight and recommendations to Credit management to improve and optimise Credit decisioning strategy
• Build and test of new credit risk strategies, policy rules, scorecards & cut-offs, and orchestration within the various Close Brothers Powercurve credit decisioning systems
• Support Credit Risk and Affordability projects with analysis and helping develop requirements.
• Scope and specify detailed requirements for changes requested to credit and orchestration strategies
• Execute credit testing requirements and provide support & investigation for defect resolution, liaising with IT, Change and testing teams
• Support the development of on-going BAU strategy development change control and testing governance procedures

WE WOULD LOVE TO HEAR FROM YOU IF YOU HAVE:

• Experience of designing and implementing Credit acquisition strategy including the setting of credit and affordability strategies, policies, bureau data and credit systems
• Strong knowledge of credit bureau data, systems, and related processes
• Strong analytical mindset to be able to understand and investigate complex issues in a methodical manner
• Advanced Excel and PowerPoint skills
• Strong written and verbal communication skills with the ability to interact and communicate complex information to senior management and non-credit colleagues
• Ability to work independently as well as part of a team, with the ability to support, coach and encourage other team members
• Proven experience in a Credit Risk role within a Financial Services environment

IT IS NOT ESSENTIAL BUT IT WOULD BE GREAT IF YOU HAVE:

• Knowledge of and hands on experience of using Experian's Powercurve / SDS systems
• Knowledge of FCA regulations
• Expertise of Credit Risk Decision Systems including management of change control and governance processes
• Understanding and / or experience of credit scorecards in a retail or commercial environment
• Experience of consumer and commercial underwriting, credit bureau data and reports, business accounts etc.
• Strong understanding of credit risk across the lifecycle

We are an inclusive organisation and committed to ensuring our recruitment process is as accessible as possible to everyone. We will make adjustments for people who have a disability or long-term condition. If you need the job description or application form in an alternative format or would like to discuss the recruitment process with us, please email us at [e-mail] or request a call back.

ABOUT US

At Close Brothers we support employees to balance their work life priorities and in this role you will be able to enjoy a mixture of hybrid working.

Close Brothers is a leading UK merchant banking group providing lending, deposit taking and securities trading. We employ approximately 3,000 people, principally in the United Kingdom and Ireland. Close Brothers Group plc is listed on the London Stock Exchange and is a constituent of the FTSE 250.

To find out more about Close Brothers, please visit our careers page: https://www.closebrothers.com/careers

To find out more about life at Close Brothers:
https://www.closebrothers.com/life-close-brothers#374017299-899295541

To find out more about our benefits:
https://www.closebrothers.com/employee-benefits

To find out more about our commitment to creating an inclusive environment:
Our Responsibility - Diversity and inclusion / Close Brothers Group

#LI-KB1 #LI-HYBRID

The Company

At Close Brothers Group, we are all connected by our mission to be the best place in the UK for wealth professionals and their clients.

We believe that everyone should think ahead, have a financial plan and invest wisely. Our clients are professionals, business owners, individuals, charities, families, and employers, who rely on our clear financial advice and investment management services to preserve and grow their long-term savings and investments.

We are a team of about 900 people based in 15 offices across the UK. Our geographic footprint means we can combine a local approach with face-to-face services to enable strong, long-term relationships with our clients.

Sustainability is fundamental to our purpose and we have a responsibility to help address the social, economic and environmental challenges facing our business, colleagues and clients. We strive to do the right thing and are dedicated to helping the charities that matter most to our people.

Our vision is to develop an open and inclusive company that ensures everyone is valued, respected and included, so that in years to come our business will represent a diverse and inclusive workforce from the top down.

We look to recruit individuals from all different backgrounds. If this job is of interest to you but you do not meet every criteria then we encourage you still to apply as we are open to providing training opportunities. As an early adopter of hybrid working we are open to discussing all types of flexible working options, helping you to balance your work and home life.

The Benefits

Private medical

Discounted health checks

Stakeholder pension contribution

Cycle to work scheme

Gym discounts

Purchase additional holiday