About the team: As a Senior Credit Risk Analyst, you will join a small team and report into the Credit Risk Manager. You will undertake and lead the production and enhancement of regular and ad-hoc Credit Risk analysis for the Risk function and the wider business. Your previous experience working in an analytical role will allow you to provide key analysis an insight to optimises the risk and reward dynamic of lending assets across the Group to achieve its key strategic and financial objectives. The role is based from our Wolverhampton office in line with our hybrid policy and may involve occasional travel to London About us: The OSB Group is a FTSE 250 specialist mortgage lender, primarily focused on carefully selected segments of the mortgage market.Our specialist lending is supported by our Kent Reliance and Charter Savings Bank retail savings franchises. Diversification of funding is provided by sophisticated securitisation platforms. OSB's unique cost-efficient operating model is supported by our wholly owned subsidiary OSBIndia.Alongside passion for our products and customers, we're passionate about our people and want to continue building a collaborative and engaging environment. Being dedicated to Diversity, Equity and Inclusion, we encourage differences and recognise that individuals from diverse backgrounds and experiences can bring valuable insights and enhance the way we work. This is supported by our Diversity, Community and Environment Employee Engagement Networks and our commitment to the Women in Finance Charter and Women in Leadership Programme. What you will be doing: As Senior Credit Risk Analyst you will take end-to-end responsibility for critical Credit Risk processes, including execution, management information reporting, controllership and exceptions reporting, ensuring accuracy and timeliness of delivery.Your responsibilities will include:Provide insights and recommendations to Risk Team stakeholders and other senior management in terms of emerging trends, performance and corresponding driversProactively generate analysis to draw insights from the Group's credit risk profile and prepare communication of the analysis for senior management explain trends or early warning signsTake responsibility for ad-hoc analytical requests to support internal or external (regulatory) queries, ensuring analysis is produced to the highest standards with appropriate insights provided.Take a leading role in critical Credit Risk analytical work streams such as Risk Appetite setting and monitoring and Regulatory reviews ensuring outputs are prepared in a timely manner and reconciled / validated against existing reportingProvide analytical support to the wider Risk function as and when required with, but not limited to, lifecycle performance, product performance, strategy enhancements.Provide expert Credit Risk guidance to other areas of the business as and when required. In return for your commitment: We offer a base salary dependent on experience of between £45,000 to £55,000 and a competitive benefits package including:Discretionary annual bonus opportunity of up to 15%.28 days annual leave plus bank holidays.Contributory pension (8% employer 5% employee).Life Assurance (4x salary) plus Group Income Protection.Access to Private Medical Insurance and Medical Cash Plan.Maternity & Adoption Leave - Occupational Maternity/Adoption Pay provided at 100% of salary for the first 26 weeks.Paternity Leave - 8 weeks of paid leave to be taken within 12 months of birth or adoption.Additional benefits such as Hybrid working, Cycle Purchase scheme, Technology Purchase scheme, Season Ticket Loan, Holiday purchase / sell schemes, Employee Perk Portals, Payroll giving and Save as you Earn scheme. Could you be the one?We are looking for talented individuals who have the experience and knowledge set out below:Previous experience in a Retail / Consumer Finance Credit Risk Function with demonstrable specialist knowledge of Financial Services industry and Credit Risk LifecycleAdvanced understanding and experience in mathematical and statistical techniques with strong Excel / VBA skillsKnowledge and understanding in SAS/SQL codingUnderstanding of Mortgage Lending industryStrong communication skills with the ability to translate complex quantitative information clearly and accurately, dependant on the audience We also believe that your career and how you progress is as unique as your individual personality. We continually support our people so they can become the best version of themselves. What to do nextIf this sounds like you, please apply now! For internal applications please visit the internal careers page to apply.Alternatively, if you wish to have an informal and confidential chat please get in touch. Contact details can be found on our careers page.If shortlisted from your initial application we operate a personalised recruitment process. Interviews are a two way street, we aim for them to be relevant and conversational to get the best out of you!OSB Group are dedicated to diversity in the workplace and committed to treating all our employees and job applicants equally. We embrace equal opportunities and are opposed to discrimination on any grounds.As part of our public commitment to the Women in Finance Charter, we have introduced our own initiatives to attract, develop and advance senior women in our sector. We don't stop there though, we have broadened our approach to encourage diversity and inclusion at all levels and in all roles. Our leadership and Executive Committee are right behind us, to the extent that our Diversity Champions sit at Board level and on a monthly basis receive updates on our progress. Whilst we are an organisation that values face-to-face interaction to build and nourish our culture, we also acknowledge that people are not just productive in an office and tied to the 9 to 5. Flexible-working opportunities are important for establishing a healthy work-life balance so if you see a role of interest we are happy to be asked about flexibility and explore together if we can make it work.All applicants must have rights to work in the UK and be willing to undertake the relevant pre-employment screening checks should your application be successful. #INDHP