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Credit Risk and Analytics functions are integral parts of many organisations. MERJE excels at sourcing this hard to find, technical skillset. We offer both permanent and interim solutions across a variety of sectors throughout the UK.
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Winners of 'Recruitment Partner of the Year'
at the Credit Awards 2018
In an ever-changing economic climate, Credit Risk and Analytics are intrinsic to the success of businesses across a range of industries. The specialist skillset associated with Credit Risk and Analytics professionals is always in high demand and can be equally as hard to find.
MERJE has a dedicated team with a combined 15 years’ experience in the area and an established network of connections and contacts across all levels. Representing a plethora of clients, our opportunities cover permanent and interim positions throughout the UK. Sectors include:
Credit Risk Recruitment
Since the financial crash in 2008, Credit Risk has become an area where both permanent and contract professionals are more important than ever and as such the recruitment marketplace is thriving. At MERJE we recruit a variety of roles including Head of Credit Risk, Senior Credit Risk Analyst - Scorecards, Lead Collections Strategy Analyst, Decision Science Analyst, Portfolio Manager and Credit Risk Modelling Specialist.
More and more organisations are seeing the benefit of data analysis and how it can help with understanding current trends as well as forecasting the future. Analytics functions often provide the information on which future business strategy is based, so companies are keen to find strong talent in this area. Job titles include Head of Analytics, Systems Analyst, MI Pricing Manager, Data Scientist, Lead SAS Analyst, BI Manager and SQL Developer.
MERJE was founded in
Our Management Team each have over
years' recruitment experience within their specialist markets
of permanent placements had a
salary of £40,000 and over
Contract and Interim roles comprise of
of our placements
2 days ago
Senior Credit Risk Analyst
Circa £45,000 dependent on experience
The Business: A large, established business with a long history and a close-knit, supportive working environment. The company owns a number of household brand names in the UK and is passionate about providing exceptional products and financial services to its customers whilst creating an inspiring, stimulating community for its employees, promoting personal and career development. The Role: Interrogate, manipulate and analyse data to build an excellent understanding of lending portfolios and customer data Identify trends and draw insight from the data to recommend positive changes to lending strategies, aiming to minimise risk Monitor the performance of new and revised strategies, designing and implementing KPIs to do so Daily use of SAS, SQL and Excel The Benefits: A great annual salary, circa £45,000 dependent on experience A fantastic bonus scheme (up to 25% based on company and individual performance) Brand discounts 24 days’ holiday + bank holidays (increasing over time) Holiday purchase scheme Vibrant, lively, modern office in Manchester city centre – excellent public transport links, on-site restaurants, massages, health checks and much more! Pension Scheme (e.g. if you contribute 6%, the business contributes 8%) Healthcare Life Assurance Not to mention a long-term opportunity with a constantly evolving business, presenting wide-reaching possibilities to progress your career, develop your skills and get involved in activities (think the Bottle Cap challenge, fundraising, mindfulness workshops, makeovers, spa treatments, carol singing…) The Requirements (all essential): Experience in a risk analytics role within a consumer lending environment with some specific expertise in either Existing Customer Management or Acquisitions / New Customers Strong technical abilities using SAS, SQL and Excel Analytical & commercially-minded – able not only to work with data, but to draw conclusions from it to provide insight into business performance and make recommendations that will benefit the company overall Sociable, outgoing and keen to get involved in a dynamic team atmosphere Please note, should feedback not be received within 28 days due to the large volume of applications, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.
16 days ago
Credit Risk Analyst (Acquisitions)
Apply now Day rate c£400 depending upon experience At least 2 years’ recent experience in Personal Loans acquisitions (scorecard & Portfolio) is essential to be considered for this opportunity We are recruiting for a Credit Risk Analyst for an initial 3 month contract working within our Clients Credit Risk Acquisitions team. Their team manages credit risk for personal loans and motor finance product suite. The role involves scorecard analytics as well as providing insight into all aspects of performance across the whole portfolio. Our successful candidate will be able to quickly fit into a fast-moving, innovative and high-profile environment, and will be required to hit the ground running; At least two years prior experience in a credit risk function within personal loan acquisitions is therefore essential. Your Skills & Expertise: At least two years’ analytical experience within a credit risk function is essential Experience of extracting, manipulating and analysing data using SAS/SQL Demonstrable numerate background, preferably with a degree in a numerical subject Proficient with Excel, Word and PowerPoint to produce clear documents and analysis, presenting complex information effectively Experience working with application decision strategies and customer affordability calculations A broad understanding of the full responsibilities of a credit risk function, from Acquisition through Customer Management to Collections/Recoveries Strong planning and organisation skills with the ability to manage your own workload, prioritise workloads, and support wider projects Good written and verbal communication skills and attention to detail, including writing full noting papers and change proposals Experience of working with the following would be an advantage, but not essential: Motor finance or other secured lending products Price comparison websites Open banking/PSD
24 days ago
Head of Analytics
MERJE are working with a successful and growing FinTech requiring an experienced hands on Head of Analytics to join their growing team of Risk, Compliance, Conduct, Analysts and Information and Cyber security. They are on a mission to redefine the consumer finance experience We’re looking for a focused professional who is ready to lead by example and is used to rolling up their sleeves to get things done. The successful candidate will help them replace start-up chaos with structure, confidently flip questions into solutions and work with the team to join us as our Head of Analytics. You will work in a dynamic fast paced environment, delivering a significant change agenda for a business that is shaking up the Consumer Finance industry. Working with a passionate set of colleagues who excel at delivery you will have a varied and interesting portfolio of activity that is not constrained by the status quo. Key Accountabilities: Leading a team of professional analysts to bring order out of the chaos of rapid growth Building lasting infrastructure to enable the business to succeed Organising our data sources to provide critical insight Providing automated output for regular reporting requirements Developing and monitoring credit, marketing and finance risk models Supporting ExCo with investor reporting and commentary Creating business models, including scenario analysis to make commercial recommendations to the wider executive team Essential skills and Experience: Previous experience in an FCA regulated credit card business Proven ability to develop and lead an analytics team Traditional logistical model development alongside newer machine learning techniques Strong analytical skills with previous experience of developing models to regulatory standards The ability to prioritise workloads and manage time effectively Ability to interact and work alongside key stakeholders A hands on attitude…they’re a small team and we will need you to roll your sleeves up You have strong experience in the consumer lending market You have experience with SQL, R or Tableau You have an inquisitive nature and are able to provide insightful analysis You are comfortable using a direct language and speaking in a straightforward yet respectful manner to save peoples´ time and simplify everyone´s workday. You have a proven track record with working remotely. The business has developers across the world and colleagues often work away from the office. You need to be excellent at getting the most from a remote workforce You care deeply about helping customers manage their money smarter and want to make a tangible impact, in an outdated consumer finance industry, by applying technology and processes smarter You love rolling up your sleeves to get it done - you are hands-on, proactive and take solutions / process orientated approach to your work You are execution focused and love rolling up your sleeves to get it done - you are hands-on, proactive and take solutions / process orientated approach to your work Please note, should you not receive feedback within 28 days, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.
6 months ago
Pricing Manager (Insurance)
We are looking for creative, innovative and ambitious individuals with 5+ years' experience in any insurance pricing role, who have a track record of finding insight in data, can take ownership for driving forward change and have a passion for sharing your knowledge and experience with colleagues, both at a peer level and in a managerial role. Your final position could be for any of our client’s products (for example motor pricing, household pricing, etc), based on your experience and skills. Pricing is considered to be a fundamental cornerstone of the successful growth of our client’s business and as they continue to transform from a monoline car insurer to one who offers a growing range of personal lines products, we are looking for driven, skilled and experienced pricing managers to join them at their Cardiff based headquarters. This is an exciting opportunity to join a growing and successful team that can offer not only a highly competitive salary but market leading employee benefits on top that include: • Annual Share scheme • Dividends on shares • Season ticket loans • Local retailer discounts and much, much more! What will you be responsible for: Analysing our pricing structures and past performance to improve risk management. Assessing the usefulness of external data sources and managing partnerships with data vendors Communicating results and ideas to key decision makers across different group companies, including Heads of Department and CEO/COO Collaborating with peers in pricing and with stakeholders from all relevant areas of the business Management and development of other members of the team Qualifications, skills and experience we are looking for: A degree, 2:1 (or equivalent) or above in a highly mathematical subject Strong quantitative and analytical skills supported by a solid academic and work background At least 5 years' experience in a pricing role, plus managerial experience Experience of working with SAS or similar packages essential Experience of GLM and/or Machine Learning techniques and software such as Emblem is an advantage Proactive and creative approach to taking initiative and getting things done Willingness to learn from the bottom up and put in the time to acquire the necessary technical skills Team player with proven ability to collaborate and build relationships Excellent interpersonal and communication skills (both written and verbal) Personality and a sense of humour (we believe work should be fun!) Please note, should you not receive feedback within 28 days, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.
MERJE really understands the markets that they operate in and goes to considerable lengths to really understand their clients’ needs. Finding exceptional Candidates in the very competitive Financial Services world is extremely difficult. MERJE has consistently sourced excellent candidates for us. I cannot recommend MERJE highly enough.
COO, Management Consultancy