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We are seeking a skilled Retail Credit Risk Analyst with 3+ years of experience in the UK credit markets, specifically within personal loans for debt consolidation. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth.
Key Responsibilities:
* Develop, implement, and monitor credit risk models and decision frameworks for personal loan portfolios
* Conduct portfolio analytics to assess risk trends, customer behavior, and loan performance
* Analyze credit data, customer profiles, and market trends to enhance underwriting criteria
* Work closely with stakeholders to optimize credit policies and improve lending strategies
* Utilize statistical and machine learning techniques to support data-driven risk assessment methodologies
* Monitor key performance indicators (KPIs) related to loan approvals, delinquencies, and charge-offs
* Ensure compliance with UK regulatory requirements, including FCA guidelines and GDPR
* Support stress testing, scenario analysis, and loss forecasting
Requirements
Required Skills & Experience:
* 3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK
* Strong understanding of credit scoring models, risk analytics, and lending strategies
* Relevant experience in working on UK credit bureau data and leveraging it for credit risk analysis
* Experience or familiarity with end-to-end life cycle of a retail loan portfolio
* Proficiency in SQL, Python, SAS, or R for data analysis and risk modeling
* Experience working with decision engines and credit risk platforms
* Knowledge of UK credit regulations, including FCA and PRA requirements
* Strong analytical skills with the ability to translate data insights into business decisions
* Excellent communication and stakeholder management abilities
Preferred Qualifications:
* Experience in alternative data usage for credit risk evaluation
* Exposure to machine learning techniques in credit risk modeling
* Familiarity with Open Banking and fintech lending platforms
* Bachelor's or Master's degree in Finance, Statistics, Mathematics, Economics, or a related field
Benefits
* Pension Plan
* Paid Time Off
* Work From Home
* Training & Development
Seniority level
* Seniority level
Associate
Employment type
* Employment type
Full-time
Job function
* Job function
Finance and Sales
* Industries
IT Services and IT Consulting
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