Job Title: Senior Risk Analyst Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues Hours: Full time, Permanent ______________________________________________ A bit about us: At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way. The Role: Assist in tracking the bad debt performance against forecasts on a monthly and ad hoc basis to identify variations and carry out root cause analysis. This includes maintaining IFRS9 models and recalculating provision rates for all BNP Paribas PF UK portfolios. Key Responsibilities: Provide management reports, which evaluate the Cost of Risk of the BNP Paribas PF UK. Monitor the daily and month end cost of risk P&L positions and report on any abnormal trends. Provide root cause and investigative analysis on a regular basis. Provide month end results, balance structures and report Internally, to group and regulators in a timely and accurate manner. Provide analysis to improve the accuracy of the loss forecasting and provision models. Assist in the development & implementation of new loss forecasting models and methodologies. Keep abreast of new developments and regulatory issues. Skills & Attributes: IFRS9 modelling, scorecard development or similar experience. Experience working with SAS, SQL, or Python. Experience in consumer credit risk management. Proven experience in Data Analysis. Existing knowledge of credit bureau data & products. Prior knowledge of forecasting (Desirable) What’s in it for you? Joining BNP Paribas Personal Finance means becoming part of a Top Employer UK dedicated to making a difference to the lives of our customers. Along with a fulfilling career, you'll be able to enjoy a benefits package which you can tailor to your lifestyle and needs, with key highlights including; Competitive salary and a contributory pension scheme Access to our Health Cash Plan Scheme A multi-award-winning flexible benefits platform offering life insurance, private medical insurance, or lifestyle benefits that include discounts on dining, cinema, and days out The opportunity to buy and sell holidays, giving you even more control over your work-life balance Could this be you? Making a positive impact is at the heart of everything we do – whether for our colleagues, customers, partners, or the community. We live by our values: We’re positive, we’re brave, and we own it. We believe a positive attitude and a passion for making things happen matter most. Don’t let confidence hold you back – there’s no such thing as a ‘perfect’ candidate. If you meet 75% of the requirements for this role, we want to hear from you Whether you're considering a career change or exploring a sector jump, we welcome applicants with transferable skills. Apply now to express your interest and discover how you can make a meaningful contribution to our dynamic team. To learn more about careers at BNP Paribas Personal Finance UK, visit our website: https://www.bnpparibas-pf.co.uk/careers. Equal Opportunities Disclaimer BNP Paribas Personal Finance promotes equality of opportunity and is committed to ensure that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation.