Lead Credit Analyst

What I have to offer you:

→A rapidly expanding business- My client is a leading provider of Credit Cards and short term loans and they have been undergoing year on year growth.

→Great opportunities for advancement- My client is looking for candidates who have ambition and who wish to grow their career within the firm. Good record of internal promotion and advancement.

→Autonomy- Whoever gets offered the job will be given a great deal of autonomy, therefore my client is looking for someone with passion and imagination who will be able to inject a bit of personality and drive into the role.

→Opportunity to gain experience operating in multiple parts of the business- this job offers great variety and diversity in scope, giving you the opportunity to build on your own preexisting experience and personal career development.

What I am looking for- Someone who is able to:

→Drive portfolio profitability across products; balance risk and reward to support the business’s growth agenda whilst maintaining control of credit quality and performance.

→Optimise new and existing customer credit decisions for value, setting credit policy and developing strategies to this effect.

→Provide insight to and set expectation for portfolio and segment trends through targeted analysis, forecasting and the development of regular MI.

→Take the lead on projects for Credit; working autonomously to engage key stakeholders, ensure all decisions satisfy risk appetite and manage controlled delivery.

Background:

→At least 5 years relevant analytic experience in personal / retail financial services

→At least 3 years on new account acquisition and / or customer line management

→Extensive programming, database extraction and reporting experience

→Expertise in profitability modelling and financial analysis

→Working with / presenting to senior managers

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