Credit Risk Analyst (UK)

Credit Risk Analyst (UK)
London

A fantastic opportunity has arisen for a Credit Risk Analyst to join a fast growing financial services business. Reporting to the Head of Credit Risk you will deliver credit risk analytics to optimise the performance of the UK loan portfolio, including the development, deployment and monitoring of scorecards and strategies across the lifecycle of a credit product.

Key Accountabilities:

Drive portfolio profitability across products; balance risk and reward to support the business’s growth agenda whilst maintaining control of the credit quality and performance
Support the delivery of UK or Group initiatives to transform the credit risk infrastructure, providing insight to leverage new decisioning capabilities
Optimise new and existing customer credit decisions for value, setting credit policy and strategies to execute this policy effectively
Drive insight in to the performance of credit risk strategy performance, proactively identifying opportunities for optimisation and taking ownership to realise those opportunities
Identification of and recommendation of changes to systems, processes and working practices to achieve operational efficiencies
Provide insight to and set expectation for portfolio and segment trends through targeted analysis, forecasting and the development of regular MI
Take ownership of credit risk initiatives; liaising with stakeholders ensuring that all decisions satisfy risk appetite and a delivered within the governance protocols of the organisation
Support and maintain compliance with the control framework and governance standards to ensure activities and decisions are consistent with the company’s risk appetite and legal and regulatory requirements
Support the coaching and development of team members to ensure that they maximise their performance and continuously develop their capabilities and experienceQualifications & Experience:

Degree educated
Experience working in FCA regulated environment
Relevant analytics experience in retail digital financial services within credit risk (ideally with some cards / loans experience)
Extensive programming, database extraction and analytical experience
A proven track record of adding value and positively contributing to team/company objectives
Experience in applying and managing complex modelling concepts within credit risk

By applying for this role, your details will be sent to the Ortolan Group, who are acting as consultants for the hiring company. The Ortolan Group are engaged to review applications and to forward on those that match the requirements of the role.We will endeavour to respond to all applicants within three working days. Occasionally for roles with a very high volume of applicants, this may not be possible.