Business Unit: Chief Credit Office Salary range: up to circa £41,000 per annum DOE red-hot benefits Location: UK Remote Contract type : Permanent Our Team Our Business Credit Risk team plays a pivotal role in shaping our lending strategy across Business lending. We're looking for a Senior Analyst to join our team and help us innovate and continue to grow responsibly while ensuring our lending meets customer needs and regulatory standards What you’ll be doing Supporting the Credit Risk Manager by producing meaningful insights and analysis to understand emerging portfolio trends across the Business portfolio. Implementing new ways of monitoring and identifying trends, strengths and weaknesses of the portfolio, driving efficiency and automation in our approach. Working collaboratively with Credit Risk, Commercial, Finance and Operational colleagues to identify improvements that maintain regulatory compliance, improve efficiency, or provides additional value to the business. Driving a culture of continuous improvement, rationalising processes, improving sophistication and addressing complexity across all aspects of managing the portfolio. Maintaining internal governance frameworks, policies, and regulatory guidelines, ensuring they are embedded in the business to promote good risk practices. We need you to have Experience producing analytics, with coding background in SAS, SQL or other data management tools used for conducting portfolio analytics. Good knowledge of Credit Risk in Financial Services. Insatiable curiosity and an inquisitive mindset with a drive to delve past surface level information and understand trends from first principles. Effective attention to detail, ensuring analytics produced is accurate and robust. Good communication, with the ability to condense and simplify complex information to other members of the team concisely. Experience in creating reports and insight using Power BI or other data visualisation tools It’s a bonus if you have but not essential Technical skills in other data management tools / coding languages used for conducting portfolio analytics, such as Python or R. Understanding of the Business credit risk portfolio. Red Hot Rewards Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time) plus the option to buy more. Up to five extra paid well-being days per year. 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt. Market-leading pension. Free private medical cover, income protection and life assurance. Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness. And there's no waiting around, you'll enjoy these benefits from day one. If we’re lucky to receive a lot of interest, we may close the advert early, please ensure to submit your applications as soon as possible. Say hello to Virgin Money Virgin Money is so much more than just a bank. As part of the Nationwide group, together we're the UK's first full-service mutual bank serving millions of retail and business customers and all driven by our purpose ; Banking but fairer, more rewarding and for the good of society. With us, you’ll be part of an organisation uniquely positioned to make a difference to the lives of customers, communities and broader society and embark on a collaborative, customer obsessed, and fun-filled career journey. Embrace the weekdays, enjoy fantastic perks, and make a meaningful positive difference. Time to discover what it means to be part of the first mutual full-service banking provider. Be yourself at Virgin Money At Virgin Money, we celebrate everyone. We have fun, think big, and relentlessly include each other, all in pursuit of our purpose: Banking – but fairer, more rewarding, and for the good of society. We’re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard. As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team careers@virginmoney.com Please note: If we receive a high volume of eligible applications, we may need to prioritise candidates whose skills and experience most closely align with the role, while still ensuring fair and equitable consideration for all applicants. Now the legal bit Although some of our roles allow you to be based anywhere in the UK, we'll need you to confirm you have the right to work in the UK. If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks – we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.