Job Description
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:
* Previous experience in an analytical credit risk or related role, ideally in a financial services setting
* Proficiency with SQL, Python, PowerBI, and advanced Excel skills
* Proven ability to analyse data, identify trends, and draw strategic insights
* Strong critical thinking and problem solving skills
* Passion for improving processes and championing innovation
* Finance, Mathematics, Statistics, or related field strongly preferred
*Candidates MUST have right to work- no sponsorship can be provided*
Send your CV to nmohamed@merje.com