Senior Credit Risk Analyst - Consumer Lending/Loans

This rapidly expanding financial services company is seeking a Senior Credit Risk Analyst to join their Consumer Lending function. Working with the Commercial Director, you will develop credit risk analytics/scorecard modelling solutions to enhance Credit Scoring & Lending decisioning to optimise and grow their loan portfolio.

Client Details

Rapidly expanding financial services company.

Description

This role involves developing credit risk analytics/scorecard modelling solutions to enhance credit scoring and lending decision-making.

Key Responsibilities:

• Developing and implementing advanced statistical/scorecard models to predict credit risk, optimise credit scoring, and enhance decision-making/underwriting processes.
• Develop and maintain predictive models to assess credit risk and forecast customer behaviour.
• Analyse large datasets to identify trends, patterns, and insights that inform business decisions.
• Perform data cleaning to ensure high-quality data for analysis.
• Conduct A/B testing and other experiments to evaluate the impact of credit strategies and policies.
• Develop credit risk models, such as probability of default (PD) using various modelling techniques.
• Work independently and present findings and recommendations to stakeholders in a clear and concise manner.

Key Skills/Experience:

• Experience in the Financial Services Industry (Essential)
• Experience working with large data sets (Essential)
• Proficiency in Python, R, SQL or other programming languages (Essential)
• Proficiency in Excel (Essential)
• Strong presentation skills, including the ability to translate complex data into understandable insights (Essential)
• Great attention to detail and process-oriented to review, suggest, and implement improvements where appropriate (Essential)
• Able to work in a fast-paced, changing environment (Essential)
• Degree in relevant subject (Data Science, Statistics, Computer Science, Economics or similar degree) (Preferable)
• Experience using Salesforce and data visualisation tools (Preferable)

Job Offer

Opportunity to develop and enhance credit risk modelling & analytics strategy.

Opportunity to join a rapidly expanding financial services company.