Unsecured Credit Risk Senior Analyst

Virgin Money; Scotland; Remote; GBP 32,000 - 41,000; Full time

Job summary

A leading financial services company is seeking a Credit Risk Senior Analyst to join their Unsecured team. The role involves analyzing credit data, collaborating with various teams, and optimizing credit strategies. With a focus on continuous improvement and regulatory compliance, this position offers a competitive salary and a range of benefits from day one.

Benefits

38.5 days holiday plus options to buy more

Up to 5 well-being days annually

20 weeks paid family leave for parents and adopters

Market-leading pension

Private medical

Income protection

Life assurance

Flexible benefits including Cycle to Work

Qualifications

• Strong analytics experience with SAS or SQL coding.
• Good knowledge of Credit Risk in Financial Services.
• Attention to detail and accuracy in analytics.

Responsibilities

• Supporting the Credit Risk Manager with insights and analysis on portfolio trends.
• Collaborating with Commercial, Finance, and Risk teams.
• Driving continuous process improvements across the credit risk lifecycle.

Skills

Analytics

Communication

Teamwork

Tools

SAS

SQL

Python

R

Power BI

Job description

View more categories | View less categories | Sector: Financial Services | Responsibilities: Analyst, Risk / Compliance | Position/Level: Senior Management | Contract Type: Permanent

Business Unit: Risk

Salary range: £32,800 - £41,000 per annum DOE + benefits

Location: UK Remote

Contract type: Permanent

Our Team

Our Unsecured team, within the wider Credit Risk function, delivers insights on the portfolio and makes strategic recommendations. As a Credit Risk Senior Analyst, you'll produce and analyze credit data, generate management information on portfolio performance, and collaborate with stakeholders to identify trends and improve credit quality.

What you'll be doing

1. Supporting the Credit Risk Manager with insights and analysis on portfolio trends.
2. Collaborating with Commercial, Finance, and Risk teams to inform impairment outlooks.
3. Optimizing credit strategies and challenging existing policies.
4. Driving continuous process improvements across the credit risk lifecycle.
5. Maintaining governance frameworks, policies, and regulatory compliance.

We need you to have

1. Strong analytics experience with SAS or SQL coding.
2. Good knowledge of Credit Risk in Financial Services.
3. Experience in an analytical role within Financial Services.
4. Understanding of data structures and credit risk strategies.
5. Attention to detail and accuracy in analytics.
6. Excellent communication skills and teamwork.

It's a bonus if you have

1. Skills in Python or R.
2. Experience with Power BI.
3. Knowledge of unsecured portfolios like Credit Cards, Personal Loans, or Overdrafts.

Red Hot Rewards

1. 38.5 days holiday plus options to buy more.
2. Up to 5 well-being days annually.
3. 20 weeks paid family leave for parents and adopters.
4. Market-leading pension, private medical, income protection, and life assurance.
5. Flexible benefits including Cycle to Work and health assessments.

Benefits start from day one.

Interested?

Apply early as the advert may close early due to high interest. We support flexible working and are committed to diversity and inclusion. Contact our Talent Acquisition team for support with your application.

About Virgin Money

We aim to be the UK's best digital bank, with a rich heritage and a focus on innovation and customer satisfaction. Join us to make a difference and Live a Life More Virgin.

Our Culture

We value diversity and inclusion, creating a safe and inspiring environment. We are a Disability Confident Leader, committed to removing obstacles to inclusion. Contact us for reasonable adjustments during the application process.

Legal & Other Info

Roles are UK-based if applicable, with necessary pre-employment checks including credit, criminal record, and references. For senior roles, additional checks may be required.