Overview
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
The Role: We are seeking a highly driven Senior Credit Risk Analyst to join our dynamic Risk Analytics team. In this role, you will shape and refine credit risk strategies across customer acquisition and account management, using advanced data analytics, statistical modelling and industry best practices to drive smarter credit risk decisioning, enhance portfolio performance and support sustainable business growth while ensuring regulatory compliance.
About BNP Paribas Personal Finance
BNP Paribas Personal Finance is part of a global banking group and partners with leading UK retailers and brands to help customers finance purchases responsibly.
Key Responsibilities
* Develop, implement and continuously enhance credit risk strategies across scorecards, policy rules, pricing, limits management and affordability models to optimise risk-reward outcomes.
* Conduct in-depth exploratory analysis using diverse data sources across client segments to identify trends, assess risk exposure and generate actionable insights.
* Optimise credit risk decisioning through advanced analytics and statistical techniques within the agreed risk appetite.
* Perform regular portfolio performance reviews and health checks, identify emerging trends and key risk indicators, and recommend proactive mitigation strategies in monthly committees.
* Develop and maintain robust credit risk MI and reporting frameworks to support strategic decision making.
* Collaborate with stakeholders across the business to ensure risk strategies align with commercial objectives.
* Provide mentorship and guidance to junior analysts, fostering a data-driven and risk-aware culture within the team.
Skills & Qualifications
* Proven experience in a credit risk analytics role, preferably within banking or financial services.
* Strong proficiency in SAS, SQL or Python for data analysis and modelling.
* Experience with credit risk strategy development, credit scoring and decision analytics.
* Excellent problem-solving skills with the ability to translate data insights into actionable business recommendations.
* Strong communication and stakeholder management skills.
* Degree in a quantitative field such as Mathematics, Statistics, Economics, Finance, or related discipline.
* Experience with machine learning techniques and data visualisation tools is a plus.
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. In addition to a fulfilling career, you’ll have a benefits package you can tailor to your lifestyle and needs.
* Competitive salary and comprehensive package, including contributory pension and health benefits, with holiday buy/sell options for work-life balance.
* Flexible benefits platform offering life insurance, private medical insurance and lifestyle benefits (discounts on dining, cinema, days out).
* Opportunity to work on innovative risk solutions in a dynamic and growing organisation.
* A supportive and collaborative environment that values professional development.
Could this be you?
We value a positive attitude and a willingness to learn. If you meet 75% of the requirements, we want to hear from you. We welcome applicants with transferable skills and consider career changers.
To learn more about careers at BNP Paribas Personal Finance UK, visit our website: BNP Paribas Personal Finance Careers.
BNP Paribas Personal Finance promotes equality of opportunity and is committed to ensuring 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.
Application
Apply now to express your interest and discover how you can contribute to our dynamic team.
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