About the Company
An exciting opportunity has arisen at My Finance Club Ltd for a Credit Risk Analyst to be part of a highly innovative forward thinking online challenger bank as it moves into its next phase of growth.
Reporting directly into the Head of Credit Risk, this role will be responsible for monitoring, evaluating and communicating results on all areas of Credit Risk, including the development and maintenance of our application risk scorecards.
We are looking for someone with experience working in a fast paced, high-volume consumer credit risk environment, with the ability to turn large data sets into actionable insight. This is a wide and varied role allowing the right candidate to gain significant exposure across the Credit Risk Lifecycle.
Job Description
* The role is responsible for measuring the performance of Credit Risk lending strategies,
* Develop and maintain key reporting to monitor the Credit Risk lending strategy for a loans portfolio.
* Develop and maintain our application risk scorecards including development of scorecard monitoring.
* Analyse large data sets using SQL, to identify trends and opportunities and providing recommendations to Senior Management.
* Challenge existing lending strategies to drive improvements in overall profitability whilst managing risk.
* Perform regular and ad-hoc tasks, delivering actionable insights to drive positive outcomes.
Key Skill Requirements
The successful candidate
will
have
:
* Minimum 1-2 years of experience of Credit Risk with ideally within retail credit or financial services. E.g. Loans or Credit card market.
* Maths or finance-related degree or proven experience at a senior/lead analyst level.
* Experience managing and developing credit scorecards (Essential).
* Background in using advanced analytics tools (e.g. SQL, SAS, Python) and recent experience working with large data sets.
* Advanced excel skills. (E.g. Pivot tables, VLOOKUP, conditional formatting, etc.)
* Excellent written and verbal communication skills, with experience of converting complex analytics in simple language for senior-stakeholders to support business decisions.
* Strong attention to detail and a passion for accuracy.
* Experience working in a FCA regulated environment with knowledge of FS regulation.
* Comfortable working in a fast-paced, dynamic environment with a high degree of ambiguity.
* Experience working with Credit Bureau data ideally Equifax.
Job Types: Full-time, Permanent
Pay: £45,000.00 per year
Benefits:
* Company pension
* Employee discount
* Health & wellbeing programme
* Private medical insurance
Schedule:
* Monday to Friday
* Hybrid remote in Sheffield S1 2BJ
Please inform us if you have a disability that will require any reasonable adjustments for the interview/recruitment process or job role (working in-person from the office) ?