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Full Job Description
Location: Solihull; a flexible hybrid working model which supports you as wellas enabling you to work collaboratively with your colleagues
Hours: Full time, Permanent
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A bit about us:
At BNP Paribas PersonalFinance, we are proud to be part of a global banking group. Ourmission is simple: to provide straightforward consumer financesolutions that empower customers to make responsible financialdecisions. We partner with some of the UK’s most well-known retailersand brands to help their customers finance purchases in a responsibleway.
The Role:
We are seeking ahighly driven Senior Credit Risk Analyst to join our dynamic RiskAnalytics team. In this role, you play a pivotal role in shaping andrefining credit risk strategies across customer acquisition andaccount management. Leveraging advanced data analytics, statisticalmodelling and industry best practices, you will drive smarter creditrisk decisioning, enhance portfolio performance and supportsustainable business growth while ensuring regulatory compliance.
Key Responsibilities:
* Develop, implement and continuously enhance credit riskstrategies across scorecards, policy rules, pricing, limits managementand affordability models to optimise risk-reward outcomes.
* Conduct in-depth exploratory analysis using diverse datasources across various client segments to identify trends, assess riskexposure and generate actionable insights.
* Optimise creditrisk decisioning through advanced analytics and statisticaltechniques, ensuring lending strategies are within the agreed riskappetite.
* Perform regular portfolio performance reviews andhealth checks, identifying emerging trends and key risk indicatorswhile recommending proactive mitigation strategies in monthlycommittees.
* Develop and maintain robust credit risk MI andreporting frameworks to support strategic decision making.
* Collaborate with stakeholders across the business to ensurerisk strategies align with broader commercial objectives.
* Provide mentorship and guidance to junior analysts, fosteringa data-driven and risk-aware culture within the team.
Skills & Attributes:
* Provenexperience in a credit risk analytics role, preferably within bankingor financial services.
* Exceptional accuracy and attention todetail.
* Strong proficiency in SAS, SQL or Python for dataanalysis and modelling.
* Hands on experience with credit riskstrategy development, credit scoring and decision analytics.
* Excellent problem-solving skills with the ability totranslate data insights into actionable business recommendations.
* Strong communication and stakeholder management skills.
* Degree in quantitative field such as Mathematics, Statistics,Economics, Finance, or a related discipline.
* Experience withmachine learning techniques and data visualisation tools is a plus.
What’s in it for you?
Joining BNP Paribas Personal Finance means becoming part of aTop Employer UK dedicated to making a difference to the lives of ourcustomers. Along with a fulfilling career, you'll be able to enjoy abenefits package which you can tailor to your lifestyle and needs,with key highlights including;
* Competitive salary andcomprehensive package, including a contributory pension scheme, accessto our health cash plan scheme and the ability to buy and sellholidays, giving you even more control over your work-life balance.
* A multi-award-winning flexible benefits platform offeringlife insurance, private medical insurance, or lifestyle benefits thatinclude discounts on dining, cinema, and days out.
* Opportunity to work on innovative risk solutions in a dynamicand growing organisation.
* A supportive and collaborativeenvironment that values professional development.
Could this be you?
Making apositive impact is at the heart of everything we do – whether for ourcolleagues, customers, partners, or the community. We live by ourvalues: We’re positive, we’re brave, and we own it. We believe apositive attitude and a passion for making things happen matter most.Don’t let confidence hold you back – there’s no such thing as a‘perfect’ candidate. If you meet 75% of the requirements for thisrole, we want to hear from you! Whether you're considering a careerchange or exploring a sector jump, we welcome applicants withtransferable skills.
Apply now to express yourinterest and discover how you can make a meaningful contribution toour dynamic team.
To learn more about careers atBNP Paribas Personal Finance UK, visit our website:
BNP ParibasPersonal Finance promotes equality of opportunity and is committed toensure that no individual is discriminated against on the grounds ofage, disability, gender reassignment, marriage or civil partnershipstatus, pregnancy and maternity, race, religion or belief, sex orsexual orientation.
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