Let’s grow together! A Platinum Investors in People employer and an award-winning UK bank, focused on growth. Our customers include savers and businesses across the UK and, working together, we use our specialist expertise to help them achieve their ambitions and build a sustainable future. If you’re an experienced Credit Risk Analyst looking for an opportunity to grow in a friendly environment, we’re looking for you! We’re flexible, inclusive, committed to your wellbeing and passionate about you reaching your potential. Let’s grow together … Brief description This role is an exciting opportunity to join the Risk & Compliance Division as a Credit Risk Analyst. If you have excellent analytical skills with a logical attitude to tasks, a degree in mathematics, statistics or a related subject and are keen to be part of our team, then we would like to hear from you. Purpose of the role Work alongside the Decisioning and Analytics Manager in designing and developing solutions to apply operational and credit criteria into the decisioning system. Contribute to the work of Credit Risk Management by supporting in the development, analysis, validation, implementation and monitoring of Credit Risk strategies, policies, models and processes. What you’ll be doing Designing, developing and testing of the decision engine used in Credit Risk. Liaising and applying operational and credit changes in line with business requirements to better facilitate new business. Supporting in the development of strategies, policies, models and processes that will be used throughout the account lifecycle, from application stage through to collections. Specifying, implementing and maintaining databases in support of Credit Risk analysis, ensuring data management activities are optimised Performing detailed and well documented analysis to support senior management and the decision making across the Bank Identifying and investigating data integrity issues for data elements used within the production of monitoring and analysis Validating analytical results, ensuring accuracy and sensitivity of findings Produce clear, timely, accurate and informative analysis identifying trends and variations Timely production of the full suite of monitoring reports required as part of the model governance framework About You What you’ll bring to the team Basic knowledge in programming and the ability to apply logical solutions to complicated scenarios; training in programming language will be provided Good comprehension of general statistical analysis and monitoring (Logistic and Linear Regression, Gini, information value, K statistic, R squared, population stability, etc.) Strong Microsoft Excel skills including a knowledge of pivot tables, macros, etc. and presenting complex data in an understandable, graphical form Previous credit risk management experience and experience of using statistical/data mining software (SPSS, SAS or SQL) desirable but not essential as full training will be provided Excellent verbal and written communication skills Ability to work independently and, at the same time, support the wider project team as needed Qualifications and experience Educated to degree level (mathematics, statistics or related subject), 2.1 or above. Working Hours Monday to Friday from 8.30am to 5.00pm with one hour for lunch. Hybrid working with 2 days in the office a week, one day being a Tuesday. Inclusion As a Disability Confident Employer, we want to ensure that our vacancies are accessible for everyone. If you have a disability, long term health condition or are neurodiverse and need us to adjust our recruitment process please get in touch with our recruitment team. About Us What can we offer you? Generous Holiday Allowance: 25 days, you also get to enjoy a day off for your birthday, Christmas Eve, and New Year’s Eve. You can also buy or sell up to a week’s leave Share Save Scheme: Annually, you have the opportunity to buy shares in Paragon at a discounted rate Profit Related Pay: We share some of our annual profit with our eligible employees Pension Plan: We contribute up to 10% of your annual salary towards your pension Family Friendly policies : We offer enhanced parental pay and paid time off for fertility treatment Employee Discounts: Enjoy exclusive discounts on entertainment, travel, shopping, motoring and more Volunteering Day: Contribute to causes you care about with one volunteering day per year Life Assurance and Personal Accident Cover Be flexible We promote flexibility around how and where we work so that you can achieve a healthier work-life balance. We operate hybrid working, splitting our week between the office and home. Be yourself As an equal opportunities employer, we welcome diversity and care about inclusion. That’s why we want you to be your whole self at work. We believe an inclusive workplace is good for each of us, great for our customers and better for our business. Our Equality, Diversity and Inclusion Network meets regularly to share challenges, experience, and ideas to build a more equal, diverse, and inclusive business. Be heard We listen to your point of view, with our People Forum and regular employee surveys making sure you can use your voice and influence our future. Be well We will give you access to a range of tools and resources to support your wellbeing. This will include a digital GP service via our free Employee Assistance Programme, access to our Wellbeing team to connect you with the help you need to get more out of life and our Vitality at Work programme to provide you with discounted gym membership, fitness equipment and another multitude of wellbeing services. Be better We want you to reach your potential and, as a Platinum Investors in People employer, we’ll encourage you to learn and develop by building a personalised development plan together with your manager.