Unsecured Credit Risk Senior Analyst

Virgin Money UK PLC; United Kingdom; Remote; GBP 45,000 - 60,000; Full time

Job summary

A leading company in the financial services sector is seeking an Unsecured Credit Risk Senior Analyst to join their team. This role involves producing and analyzing credit data, collaborating with stakeholders, and optimizing credit strategies. The ideal candidate will have strong analytical skills, experience in financial services, and a solid understanding of credit risk. Enjoy a competitive salary, generous leave, and flexible working options from day one.

Benefits

38.5 days annual leave

Up to five extra paid well-being days

20 weeks paid, gender-neutral family leave

Free private medical cover

Flexible benefits including Cycle to Work

Qualifications

• Strong experience in producing analytics with coding background in SAS or SQL.
• Good knowledge of Credit Risk in Financial Services.
• Previously worked in an analytical role within Financial Services.

Responsibilities

• Producing meaningful insights and analysis to understand emerging portfolio trends.
• Collaborating with stakeholders to inform key impairment outlooks.
• Continuous optimisation of credit strategies.

Skills

Analytics

Communication

Attention to Detail

Education

Experience in Financial Services

Tools

SAS

SQL

Python

R

Power BI

Job description

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Join to apply for the Unsecured Credit Risk Senior Analyst role at Virgin Money

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Our Unsecured team sits within the wider Credit Risk function and is responsible for delivering insight on the portfolio and make recommendations on strategies and policies.

As a Credit Risk Senior Analyst, you’ll report into an Unsecured Credit Risk Manager, with core responsibilities of producing and collating credit data, producing relevant and insightful management information into the performance of the portfolio and making recommendations to manage the credit quality of the portfolio. Through reviewing the data produced you will have the opportunity to identify themes and trends, collaborating with business stakeholders and subject matter experts to build your knowledge and deliver insight.

What you’ll be doing

• Supporting the Credit Risk Manager by producing meaningful insights and analysis to understand emerging portfolio trends across unsecured portfolios.
• Working collaboratively with Commercial, Finance, and Risk colleagues to inform key stakeholders of current and future impairment outlooks.
• Continuous optimisation of credit strategies; providing challenge and creating recommendations on existing strategies, policies or processes as appropriate.
• Drive a culture of continuous improvement, rationalising processes, improving sophistication and addressing complexity across all aspects of the credit risk lifecycle.
• Maintaining internal governance frameworks, policies, and regulatory guidelines, ensuring they are embedded in the business to promote good risk practices.

We need you to have

• Strong experience in producing analytics, with coding background in SAS or SQL.
• Good knowledge of Credit Risk in Financial Services.
• Previously worked in an analytical role within Financial Services.
• A sound understanding of data structure, data manipulation technique alongside credit risk strategies.
• Effective attention to detail, ensuring analytics produced is accurate and robust.
• Brilliant communication skills, enabling you to build networks and relationships with internal parties and be a team player.

It’s a bonus if you have but not essential

• Technical skills in other data management tools / coding languages used for conducting portfolio analytics, such as Python or R.
• Experience in creating reports and insight in Power BI.
• Understanding of Unsecured portfolios including Credit Cards, Personal Loans or Overdrafts.
• Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time) plus the option to buy more.
• Up to five extra paid well-being days per year.
• 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.
• Free private medical cover, income protection and life assurance.
• Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.

And there's no waiting around, you'll enjoy these benefits from day one.

Feeling insatiably curious about this role? If we’re lucky to receive a lot of interest, we may close the advert early and would hate you to miss out.

We're all about helping you Live a Life More Virgin, so happy to talk flexible working with you.

Applications Close: 31 May 2025 (4pm BST)

Seniority level

• Seniority level

  Entry level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Analyst and Quality Assurance

• Industries

  Financial Services and Banking

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