The Role A full-time permanent position within the Credit Risk team with an agreed flexible mixture of working from home and Head Office in Grimsby. Reporting directly to the Credit Risk Team Leader, the Credit Risk Analyst will be responsible for producing accurate analysis on a variety of key credit risk metrics and customer behaviours, helping shape and enhance the firm’s credit and affordability strategy. The role involves collaborating with colleagues within the Credit Risk team and wider business on key projects designed to achieve sustainable growth with a customer focused approach. Key Responsibilities · Extracting, manipulating and analysing data on the performance of key credit risk business metrics. · Provide detailed and insightful solutions to drive performance and support credit risk and affordability decisions. · Involvement in team projects to ensure both KPI and business strategies are met. · Utilise both internal database sets and SAS database mining software, as well as external datasets including CRA data. · Design and produce new management information and reporting to support business and risk requirements. · Deliver clear, meaningful MI to senior stakeholders. · Carry out broader data analysis to support lending strategy, risk appetite, and overall portfolio profitability. · Respond to ad‑hoc requests from around the business, investigating specific risk issues and providing insight to support business decisions. Key Skills and Attributes · Strong data extraction and analysis skills with the ability to analyse and interpret large datasets. · Strong organisational skills with the ability to manage multiple priorities and meet deadlines. · Ability to translate complex analysis into clear, non-technical insights to present to senior leadership. · Proficiency with using advanced analytics tools (e.g. SQL, SAS, Python) and recent experience working with large data sets. · Proficiency with MS Office software (Excel, Word, PowerPoint, Power BI). · Proactive approach to work and problem solving. · Strong attention to detail and accuracy. · Excellent written and verbal communication skills. Applicants must be located and eligible to work in the UK without sponsorship. Please note, should feedback not be received within 28 days, unfortunately your application has been unsuccessful. In applying for this role, you may be registered on our database so we can contact you about suitable opportunities in future. Your data will be managed in accordance with our Privacy Policy, which can be found on our website. If you would like this job advertisement in an alternative format, please contact MERJE directly.