Credit Risk Analyst- £45K-£55K
Mainly remote (once every 2 weeks in Cardiff)
Key Responsibilities:
* Perform in-depth analysis on portfolio trends and market data to identify opportunities to refine our credit strategy, lending footprint and referral approach
* Develop proposals and provide subject matter expertise to inform credit risk models and team discussions
* Develop, implement, and monitor innovative underwriting strategies
* Create and refine affordability models to ensure responsible lending practices
* Explore and integrate new data sources to enhance credit risk assessments
* Collaborate cross-functionally to challenge current methodologies and drive continuous improvement
* Communicate complex analyses, insights, and proposals clearly and effectively to both technical and non-technical stakeholders
* Mentor and guide junior analysts, fostering a collaborative and high-performing team environment
Key Requirements:
1. Previous experience in an analytical credit risk or related role, ideally in a financial services setting
2. Proficiency with SQL, Python, PowerBI, and advanced Excel skills
3. Proven ability to analyse data, identify trends, and draw strategic insights
4. Strong critical thinking and problem solving skills
5. Passion for improving processes and championing innovation
6. Finance, Mathematics, Statisti...