About the role
We have an exciting opportunity for a Credit Risk Analyst. This role is to support the business in the management of credit risk; maximising sales opportunities whilst controlling bad debt losses and ensuring continued compliance with consumer credit regulations.
Role Responsibilities
Role Accountabilities
1. Undertake detailed statistical analysis to review and optimise credit decision strategies, processes and models.
2. Undertake ad-hoc analysis to inform business decisions and investigate specific risk issues.
3. Ensure all analysis is accurate, well presented and delivered within the required timescales
4. Code, test and implement approved changes to the credit decisioning systems.
5. Produce detailed, accurate credit MI and identify emerging trends, risks and opportunities
6. Develop new MI reports to meet business needs
7. Identify and implement continuous improvement initiatives to increase efficiency, resolve issues and/or improve business performance
8. Maintain comprehensive documentation of credit strategies, procedures and processes
9. Deputise for the Senior Credit Risk Analyst / Lead Credit Risk Analyst
10. To be committed to good outcomes for customers at all times
11. Ensure compliance with all applicable UK and local regulations, Company Policies and FCA Conduct Rules
12. Demonstrate behaviours in line with our Company values
13. To take reasonable care for the health and safety of yourself and other persons who may be affected by acts and omissions at work
About you
14. Skilled in data manipulation and analytical techniques
15. Ability to derive and communicate insight from data/Management Information
16. Competent in Microsoft Office
17. Educated to Degree Level or equivalent; preferably in a numerate discipline.
18. Effective written and verbal communication skills
19. 37.5 hours per week
20. Able to commute to Bradford city centre 2 days per week (across Tue, Wed & Thu)
21. May be required to work out of hours in an emergency
Role is subject to credit, DBS, Financial Sanctions and background / reference checks