Job Description
Credit Risk Analyst- Scorecards
£50K + car scheme options
Very flexible hybrid working
* Motor finance experience strongly preferred
* Scorecard development experience is essential
Main Responsibilities:
1. To provide daily operational support in the management of the Retail portfolio
2. Portfolio Health Monitoring – Track delinquency, arrears, write-offs and overall cost of risk; flag deteriorating segments promptly
3. Risk Dashboards – Build and maintain dashboards and management information on key risk indicators, affordability and underwriting performance
4. Policy & Process Optimization – Propose and implement changes to credit policy, underwriting rules and the decision engine to balance approval rates with expected loss
5. Risk Budgeting & Provisioning – Contribute to risk budgets, forecasts and the calculation/validation of specific and general provisions
6. Regulatory & Investor Reporting – Prepare FCA affordability reports, monthly management packs and historical securitization data for investors
7. Cross-Functional Collaboration – Work with Underwriting, Collections, Finance and other stakeholders to drive remedial actions on high-risk accounts and improve end-to-end credit quality
8. Present in the bi-mon...