Lead Credit Risk Analyst

Salary

Location London/Bradford

The Vacancy

The role will report into the Credit Risk Manager and will provide an invaluable opportunity to drive significant change and value for the Bank through a range of insight-providing analytical projects

Responsibilities:

• Develop expert understanding of the customer management lifecycle, including all aspects of decisioning and customer touch points

• Drive the optimisation of lending decisions through test and learn initiatives to identify champion strategies

• Investigation and development of new data sources to be used for analysis and decisioning

• Support business growth and portfolio profitability while ensuring a balance between risk, reward and responsible lending, and controlling credit quality and performance

• Ensure lending decisions are accurate and appropriate through close tracking and monitoring

• Perform inquisitive and innovative analysis and provide logical recommendations resulting in customer and /or business benefits

• Devise, initiate and deliver complex analytical/data driven projects fully incorporating Customer and business implications throughout

• Responsible for automating and streamlining processes to maximise integration, effectiveness and efficiency

Experience required:

• Experienced in consumer credit, preferably in the sub-prime or online lending sector

• Present, both written and verbal, clear and concise results using aggregated data, highlighting key trends, opportunities/risks and recommendations.

• Ensure clear documentation and commented code in place for all analysis, processes and tools including maintaining logs/audit trails for all changes and decisions.

• Understand the systems where the data resides, the processes by which data is collated and stored and the methods available for data retrieval.

• Use a comprehensive understanding of the business meaning behind the data, the business processes underlying the figures and any limitations of the data to drive analysis design and proposals

• Define analytical project phases, success criteria and timescales and drive projects through to implementation while engaging stakeholders throughout and considering customer impact

• Support the testing and delivery of changes to models, policy and strategy, liaising with the relevant departments

• Minimum of 5 years’ experience in analytical role

• Honours Degree or equivalent in a quantitative subject such as Mathematics, Statistics, Operations Research or Computer Science.

• SAS/SQL - Highly Proficient (Advanced)

• Intermediate in all standard MS Office applications

• Advanced level experience in decisioning systems

• Experience in Credit Analytics

• Experience of scorecard cut-off setting and strategy optimisation through decline rules