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Senior Credit Risk Analyst - Middlesex, United Kingdom,


Role purpose:

Working as a key member of the risk analysis team to ensure the Credit Risk function is robust and managed within the key requirements of the business. The ideal candidate will have a very strong background in analytics and Credit Risk from a mortgage lending institution, preferably with experience covering the full customer lifecycle, including new lending, account management, fraud prevention and arrears management. This candidate will be a key member of this business.

Major Activities and Responsibilities:
  • Provide business with data based insight and recommendations for changes and improvements to product range, application process, strategy design, collections activities and operations processes
  • Solving complex business problems andproviding practical value based solutions.
  • Build and Develop capability within the organization to design, monitor and enhance credit and fraud risk strategies and policies.
  • Ensure the business operates within the regulatory requirements for new business origination through to arrears management
  • Provide the business with the optimal analytical framework to make sound judgment based decisions on new lending requests
  • Produce analytics to monitor and provide insight across the customer journey and lifecycle, making recommendations to change current processes and strategies
  • Provide insight to and set expectation for portfolio and segment trends through targeted analysis, forecasting and the development of regular MI.
  • Develop and enhance credit risk models
  • Work closely with colleagues across the group to deliver projects and the change agenda.

Skills and Experience Required (or desired):

  • University degree in technical field (eg. mathematics, physics, statistics)
  • Relevant experience of credit risk/analytics roles
  • Knowledge of first and second charge mortgages
  • Hands on strong knowledge of analysis software languages - SAS
  • Highly proficient using Excel and other analysis tools
  • Statistical background to produce reporting and models
  • Excellent communication skills and ability to convey complex ideas/insights to non-technical members of the team
  • Ability to work in an extremely fast paced start-up environment
  • Excellent verbal and written communication skills
  • Extremely self-motivated / Operate independently