Sainsburys Bank - Senior Credit Risk Analyst Why join us Joining Sainsbury's Bank as a Senior Credit Risk Analyst offers an exciting opportunity to work in a fast-growing team and collaborate with a wide range of stakeholders. Whether you are an experienced credit risk professional seeking a new challenge, a budding analyst looking for a step-up, or have a passion for data and analytics within the financial services industry, we want to hear from you. In this role, you'll be part of the Credit Risk Provisions team, utilising data and insights to forecast bad debt and explain variances between actual bad debt and existing forecasts. With exposure to various areas of the bank and senior management, this role provides a platform for professional growth and development. Join our team and be part of a dynamic organisation that values innovation, collaboration, and delivering outstanding results for our customers. What you'll do As a Senior Credit Risk Analyst at Sainsbury's Bank, you will play a vital role in the Provisions team, using data and analytics to report on the bad debt charge and feed into decisions on future lending. Your responsibilities will include developing and maintaining MI to track Book performance and explain the bad debt charge (variance to expectations), taking ownership for forecasting bad debt for your portfolio, forming relationships with business areas to understand potential risk impacts, helping coach junior colleagues. You will collaborate closely with stakeholders from various areas of the bank and gain exposure to senior management, contributing to the growth and success of the organisation. This opportunity offers you the chance to join a dynamic team and deepen your expertise in retail credit risk while working in a customer-focused and collaborative environment. Who you are As a Senior Credit Risk Analyst at Sainsbury's Bank, you are a passionate and talented individual with a strong interest in data and analytics. Whether you are an experienced credit risk professional, an aspiring analyst, or someone with an academic background wanting to venture into financial services, this role offers an exciting opportunity to join our Credit Risk team. You will need to be highly numerate, have good attention to detail, thrive in fast paced environments and be proficient in computer-based software statistical packages (e.g. SAS, SQL, Python, or R). Provisions or Credit Risk experience is preferred.