Credit Risk Analyst
We are seeking a talented Credit Risk Analyst to join our growing credit risk analytics team. This role is specifically designed for professionals with 1-2 years of experience in the lending industry who are looking to develop their career in credit risk analytics and statistical modelling within the banking sector.
Please note: This position is for a Credit Risk Analyst role focused on credit risk assessment and modelling, not financial analysis.
About the Role
As a Credit Risk Analyst, you will contribute to the development and enhancement of our credit risk analytics capabilities. This is an excellent opportunity for someone with a first experience in unsecured lending to get wider exposure and larger remit (affordability and underwriting scorecards and credit strategy, pricing and credit risk management) whilst working with cutting-edge statistical models and data-driven insights.
The role is primarily focuses on the UK market, but you will have the opportunity to work in an pan-european team and get exposure to credit risk analytics across our international markets including Germany, Austria, Norway, Spain, Italy, and other European markets.
Key Responsibilities
- Data Analysis & Insights: Collect, analyse, and interpret data from multiple sources including internal systems and Credit Reference Agencies (CRAs) to identify trends, patterns, and opportunities that inform credit policy, Credit limit and pricing strategies
- Model Development: Contribute to developing and maintaining statistical models, including scorecards and other credit risk assessment tools
- Stakeholder Collaboration: Provide clear, actionable insights and recommendations to stakeholders across the business, supporting informed decision-making and business growth
- Cross-functional Teamwork: Work collaboratively with colleagues in the decision sciences and analytics team, as well as other departments across different locations
- Communication & Reporting: Present complex analytical findings to both technical and non-technical audiences through clear presentations, reports, and data visualisations
Essential Requirements
Education & Experience:
- Bachelor's degree in Mathematics, Statistics, Economics, Physics, Computer Science, Engineering, or related quantitative discipline from a well-regarded university
- 1-2 years of experience in analytics, data analysis, or lending/credit assessment within the financial services sector
- Previous experience working for an unsecured lender (bank, building society, fintech, or similar credit provider)
Technical Skills:
- Strong analytical and problem-solving abilities with excellent attention to detail
- Proficiency in SQL for data extraction, manipulation, and analysis
- Understanding of statistical analysis techniques and data modelling methodologies
- Experience or strong interest in predictive modelling (logistic regression knowledge would be advantageous)
Professional Skills:
- Excellent written and verbal communication skills in English
- Ability to translate complex data into clear, actionable business insights
- Strong presentation skills with experience communicating to diverse audiences
- Proven ability to work effectively in fast-paced environments whilst managing multiple priorities
Desirable Requirements
- Postgraduate qualification in a relevant quantitative field
- Programming experience in Python or R
- Knowledge of credit risk regulations and best practices in the UK market
- Experience with data visualisation tools
- Understanding of machine learning techniques applied to credit risk
What We Offer
- Competitive salary and benefits package
- Opportunity to work with advanced analytics and statistical modelling techniques
- Professional development and training opportunities
- Collaborative, inclusive working environment
- Flexible working arrangements
- Career progression opportunities within our growing analytics function
Application Requirements
Please note: We are unable to provide visa sponsorship for this role. Candidates must have the right to work in the UK without requiring sponsorship.
We are committed to creating an inclusive workplace that reflects the diversity of the communities we serve. We welcome applications from all qualified candidates regardless of age, disability, gender identity, race, religion, sexual orientation, or background.
Recommended Jobs
Captive Insurance Manager
Senior Manager – Captive Insurance (Hybrid, Guernsey) Location: Hybrid: Office & Remote Company: A global leader in insurance and risk solutions Join a dynamic team shaping better decisions i…
Customer Service Manager
We have a fantastic opportunity for a Customer Service Manager to join our team within Vistry South London, based at our Stratford office with travel to our various sites across the region. As our Cu…
LOCUM OCCUPATIONAL HEALTH NURSE LONDON
Occupational Health Nurse Westminster Locum Dream Medical are working with a large healthcare provider in Westminster and are looking for Occupational Health Nurses to administer the Flu Vacc…
Please click here for vacancies statement
Colt is the New Standard in high bandwidth network and voice services for enterprises and wholesale customers in Europe, Asia and North America’s largest business hubs. With a global reach but a deep…
Kitchen Supervisor
Kitchen Supervisor MonFri, 6:30am 3pm, £15.75 per hour, London Soho Square 40 hours per week 12month fixedterm contract to cover absence Fooditude are looking for a Kitchen Supervisor who …
Catering Assistant
Job Details As a Catering Assistant, you'll be part of a dynamic, fast-paced team, contributing to a positive and friendly work environment. The role offers numerous opportunities for growth withi…
Science Teacher (Biology) - Progressive Curriculum - Hackney
Science Teacher (Biology Specialism) – Shape a Progressive, Inquiry-Based Curriculum – Hackney A progressive secondary school in Hackney with a focus on inquiry-based learning is seeking a Sc…
Zara Glasgow Full Time Sales Assistants
Supporting the cash desk and delivery teams to ensure smooth and efficient operations. Staying ahead of the latest fashion trends and sharing your insights with customers. Adhering to all healt…
Sales Consultant
We hope you are having a great week so far. Thank you for taking the time to read our job advert. As a Sales Consultant, you will bring Sowvital’s world to life for every visitor to the boutique. Y…