Credit Data Specialist | (4 days a week) | Tonbridge (Hybrid working) A forward-thinking, values-led bank is seeking a talented Credit Data Specialist to play a pivotal role in shaping the future of its credit risk and data strategy. This is an exciting opportunity for an analytically minded professional who thrives on precision, enjoys working with modern data tools, and wants to make a genuine impact within a growing organisation. About the role This is a highly analytical and strategically important position, responsible for managing credit risk data, maintaining portfolio integrity, and delivering meaningful insights to support senior decision-making. The successful candidate will: Monitor and maintain loan portfolio data, ensuring accuracy, reconciliation and data integrity Develop and enhance credit scoring, stress testing and impairment models (including IFRS9 and ICAAP) Identify early warning indicators and recommend risk mitigation strategies Produce regulatory and internal reporting, including PRA Loan Book Data returns Utilise advanced analytics tools such as SQL, Python, Power BI and Tableau Contribute to automation, process improvement and data quality enhancements Support cross-functional collaboration with Finance, Risk, IT and Compliance Assist with credit committee administration and strategic analytical projects Contribute to the development of practical AI applications within Credit What we are looking for The ideal candidate will bring a blend of credit risk expertise, advanced data skills and meticulous attention to detail. Essential experience includes : 35 years experience within financial services, banking or a credit function Strong credit risk and portfolio management experience, including early warning identification and mitigation Advanced Excel skills, including complex modelling Strong SQL and Python capability Experience in data validation, reconciliation and regulatory reporting A highly analytical mindset with exceptional attention to detail What's in if for you £50,£65,000 dependant experience Permanent, stable opportunity within a growing organisation Hybrid working initially office-based, then up to 2 days from home 4-day week Modern, evolving data environment Onsite training and development Allocated onsite parking A collaborative, socially engaged team culture Genuine opportunity to grow through projects and strategic involvement 01892 571105 "In application for this role, you are consenting to TN Recruits Ltd retaining your details to secure you work. All information provided will be held securely for up to 3 years unless we are contacted and instructed otherwise." IND3