Senior Credit Risk Analyst

Description:

The role is a senior credit risk analyst position looking after portfolio performance and insights.

You can expect to be involved in the following day to day:

• Assist the Head of Retail Risk with reviewing, analysing, and implementing Retail Risk policies.
• Evaluate scorecard performance and recommend enhancements as needed.
• Identify and explain key variances in reporting metrics.
• Conduct data quality checks, investigate discrepancies, and ensure reconciliation.
• Design, maintain, and report on credit strategy monitoring frameworks and controls, such as auto-decision rules, policy exceptions, DLAs, and risk scorecards.
• Contribute to the development and refinement of retail credit scoring models and scorecards.
• Support the deployment and integration of models and policies into operational processes.
• Prepare materials for Retail Risk-related forums, presenting and discussing insights when required.
• Monitor and assess Collections activities and key performance indicators (e.g., stock levels, arrears, defaults, remarketing efforts) to evaluate portfolio strategy effectiveness and operational performance, including cost, resource, and productivity metrics.
• Collaborate with Collections teams to optimise strategies, maximise recoveries, and minimise net losses after accounting for associated costs.

SKILLS AND EXPERIENCE

• SAS or Python experience - MUST
• Experience in credit risk portfolio, policy or strategy analytics
• Strong skills in interpreting data and driving insights
• A strong university degree in a numerate discipline