Job Description
As a Senior Credit Risk Analyst you will be responsible for supporting the oversight of first line credit risk management and reporting and development of product standards. You will analyse portfolio risks and concentrations and build portfolio and arrears forecasting; escalating material risks to committees as required. You will also support the Senior Credit Risk Manager in the development of cost of risk and use of credit scoring strategies for the product portfolios. In liaison with key stakeholders you will identify key pockets of credit risk and ensure that these are being appropriately managed.
As a Senior Credit Risk Analyst you will:
* Have oversight of the first line credit risk management activity
* Analyse portfolio credit risks, providing timely and acute updates to risk committees
* Proactively identify trends and insights based on regular credit risk reporting, supporting the Senior Credit Risk Manager with the actions required to address areas of concern/opportunity, working with the first line credit risk team
* Support the Senior Credit Risk Manager with the input and running of 2nd line oversight committees and regular routines
* Perform analysis to support changes to credit risk strategies, lending and arrears management policies
* Support development and monitoring of new products and strategies
* Support the Senior Credit Risk Manager in the development of cost of risk and use of credit scoring strategies
* Build and maintain a strong stakeholder network to share credit risk expertise and insight across the organisation
Qualifications
Essential
* Numerical Degree, strong analytical skills and excellent attention to detail
* Experience in a credit risk environment
* A solid grounding in data analysis using quantitative analytic tools
* Relevant coding experience - SQL, Python, Power BI
* Strong understanding of the fundamental concepts of credit risk management
* Advanced Excel skills
* Experience of using complex data
Additional Information
If you feel you have some of the skills mentioned above, but not all, please do still apply and we would be happy to have a further discussion with you in regards to your suitability for the role.
Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
If you feel you'd benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.
Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.