Lead Analyst, Acquisitions (Credit Risk Strategy)
Permanent Full Time role in Strategy.
Located in London - Hybrid.
Your new role at NewDay
This position within the Credit Management department sits within the Acquisitions Credit Risk team. The successful candidate will have an exciting opportunity to develop and optimise credit risk strategies for our credit card portfolios.
The responsibilities will also include monitoring and forecasting credit performance, implementing changes, and collaborating with internal colleagues such as Commercial, Finance, 2nd Line Risk, Legal and System to support the business.
The candidate will also be the day-to-day owner of the control environment in which Customer Underwriting operates, ensuring all processes and projects are delivered with the appropriate level of reviews and approvals.
Responsibilities
* Strategy Development: Leading in developing credit risk underwriting strategies that align with company objectives and regulatory requirements, ensuring positive customer outcomes.
* Monitoring and Identifying Opportunities: proactively monitoring and assessing credit quality, identifying key insights and opportunities for optimisation.
* Governance and Control: Ensuring all processes, incident management, and strategic implementations are carried out in a controlled manner and meet the audit standards.
* Credit Forecasting: Developing charge-off curves to support budgets as well as performance and score-cut reviews.
* Stakeholder Management: Maintaining positive relationships with internal partners to ensure an effective feedback loop and execution of strategies and controls.
What you’ll bring
We need knowledge, experience + expertise in:
* Credit card strategies or highly analytical roles within the UK financial service industry.
* Unsecured lending, preferably from work experience.
* Strategic problem solving; highly intellectual with commercial competence. A logical and methodical thought process.
* SQL and/or Python.
* Implementing and maintaining policies and controls.
And would love you to know or learn:
* FCA Regulations and industry standards.
* Use of Credit Reference Agency (Credit Bureau) data.
* Decision systems.
Where next? Let’s talk about this role – Apply now or contact talent@newday.co.uk with any queries.
About NewDay
We help people move forward with credit and help our colleagues to move their careers forward too.
At NewDay, we value all types of diversity. We’re an equal opportunity employer and believe that our differences create a vibrant, authentic working culture. We want all our colleagues to feel able to bring their whole selves to work. We don’t discriminate on the basis of age, physical or mental disability, gender reassignment, marriage and civil partnership, pregnancy and carer status, race (including colour, nationality, and ethnic or national origin), religion or belief, sex and sexual orientation.
We’re focused on what will drive impact in helping people move forward with credit. Our distinctive culture is geared to spark innovation and team working – with lots of open doors for development.
We invest in our colleagues. On top of a strong market competitive salary, you get a bonus opportunity that matches the impact (delivery + values) you drive in your role.
At NewDay, #yourwellbeing matters: You get 26 days holiday and can buy up to 5 more after probation. Then you’ll get extra days as you build your career with us.
NewWork, our flexible, hybrid working approach, helps you to manage your work/life balance.
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