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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
6 days ago
Credit Risk Manager
Circa £50,000 - £60,000
MERJE is looking for an experienced Credit Risk professional to join a growing team within an established consumer lending business. The Credit Risk Manager role will have a broad remit, including providing insightful analysis, developing scorecards, managing lending strategies, etc. This position would suit a senior/lead analyst or junior manager looking for a new challenge and the opportunity to continue being hands-on within Credit Risk whilst having a major impact on broader business decisions. This company is unable to provide sponsorship Key Responsibilities of the Credit Risk Manager: Support development and implementation of a wide range of Credit Risk models - collection & recovery, customer profitability, internal & external fraud, application, behavioural, etc. Maintain suites of regular Credit Risk MI reports Conduct insightful analysis to inform the enhancement of credit risk policies, procedures, strategies, etc. Required knowledge and experience for the Credit Risk Manager role: Must have experience within Sub-Prime market Excellent analytical abilities and skills with SAS Experience in credit risk within consumer lending / retail banking (sub-prime lending highly beneficial) Able to support overall business direction and growth A broad understanding of credit risk within financial services businesses Driven and commercially minded – able to be hands-on as well as understanding the wider impacts to the business 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.
10 days ago
Credit Risk Contractor
£450 per day
A well-known FS business is looking for an experienced Credit Risk professional on a 3 month contract basis. The contractor will be supporting an ongoing BTL Mortgages project by working within Commercial Acquisitions Strategy; analysing and reviewing new lending areas, policy changes, etc. Overall, ensuring the production of insightful credit risk analytics to inform strategic decision-making. To be considered, candidates must have experience in Credit Risk, BTL Mortgages, Acquisitions Strategy and be strong in the use of SAS. Commercial Lending experience is desirable. Term: 3 Months Rate: £450 per day This company is unable to provide sponsorship 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.
11 days ago
£30,000 - £40,000
MERJE is looking for two Investment Analysts to join one of the UK’s largest and fastest growing Financial Services businesses in their sector, to be involved in portfolio valuation and investment strategy. Established over 10 years ago, the business is expanding through organic growth and selected acquisitions and now operates across Europe as well as the UK. The Investment Analysts will join the dynamic Investment team in the central Manchester office, identifying, analysing, facilitating and reviewing investment and purchase opportunities. On offer is a salary of around £30,000 -£40,000, as well as fantastic and evidenced training, progression and career development opportunities. This company is unable to provide sponsorship Key Responsibilities of the Investment Analyst: Conducting and overseeing detailed statistical and quantitative analysis of potential portfolio acquisitions Developing & applying forecasting models to support investment decisions Liaising with European financial institutions, senior executives and team members to facilitate successful investment strategies and decisions Reviewing and researching potential investment opportunities Required knowledge and experience for the Investment Analyst role: Excellent analytical and numerical abilities SQL programming and Excel skills, Python also beneficial in addition Experience of financial analysis in a retail banking / consumer credit finance environment Experience of statistical and/or econometric modelling / forecasting Strong, confident communication skills, able to communicate with senior stakeholders Comfortable working in a commercially demanding, deal-driven environment 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.
12 days ago
Senior Credit Manager
MERJE is looking for an experienced Credit professional to join a specialist lending business and implement and manage all aspects of the Credit Risk Management Framework. You will be joining the UK arm of a highly successful, multinational FS business, whose focus is operating imaginatively, innovatively and providing the highest level service to its customers. Salary is highly flexible dependent on experience. The business is considering anyone in a range of £45,000 - £85,000. The business can support home working, however some presence in the London office will be required as this person will be managing a team and for monthly leadership meetings. This company is unable to provide sponsorship Key Responsibilities of the Senior Credit Manager: Implement a Credit Risk Management framework, embedding the use of credit Policy & Procedures, managing credit processes, ensuring continuous improvement and supporting the CRO Support origination of property-based lending as well as ongoing management of property portfolio Manage a small team of credit analysts and be hands-on in completing loan credit analysis for new and existing loans Oversee reporting of portfolio risk data and risk metrics Support preparation for ICAAP Prepare and report stress tests and scenarios Required knowledge and experience for the Senior Credit Manager role: An established background in secured lending within a small, regulated UK organisation An expert in the credit arena, understanding policies, processes, analytical aspects, etc. Experienced in team / people management Experience of stress testing, ICAAP and leading regulatory conversations Motivated, driven, self-starter Model development experience would be highly advantageous, or a familiarity with Moodys credit rating models 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.
18 days ago
Graduate Analyst - Financial Services
Cheshire West and Chester
£20,000 - £25,000 dependent on experience
MERJE is looking for two driven graduates to join a successful Financial Services business that is going from strength to strength. This is an excellent opportunity for candidates from a mathematical or computer science background to build invaluable industry experience. You will spend time working in various business areas, building and developing a variety of skills as well as your commerciality and understanding of how different functions affect a company’s success. This company is unable to provide sponsorship. Successful candidates will be: Graduates of Economics, Mathematics, Computer Science or similar and have a basic understanding of an analytical / IT tool such as SAS, SQL, R, Python, etc. Passionate about pursuing a data / analytics / systems focused career and keen to use your abilities to improve business processes and performance. 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.
21 days ago
Lead Credit Risk Modelling Analyst
Up to £65,000
MERJE is looking for an experienced Credit Risk professional to join a specialist bank and lead modelling strategy and solutions, including hands-on analytics and model development. You will be joining an established lender with a ~10 year history of providing excellent products and services to retail and commercial customers. Salary is up to £65,000 dependent on experience. This company is unable to provide sponsorship Key Responsibilities of the Lead Credit Risk Modelling Analyst: Support the development and delivery of modelling strategy and solutions Continuously enhance analytic methodologies, tools and processes Develop predictive capabilities on portfolio performance Contribute to IFRS9 impairment forecast modelling and process Hold and share expert-level knowledge of SAS, modelling tools, data requirements, etc. Establish constructive working relationship with stakeholders and colleagues Required knowledge and experience for the Lead Credit Risk Modelling Analyst role: Strong quantitative background, ideally with a high degree / masters in Applied Mathematics, Statistics, Econometrics or similar Extensive industry experience, credit risk model building within retail banking Strong SAS abilities. SQL and VBA would also be beneficial on top of this Advanced modelling and scorecards knowledge - regression, econometrics, time series, simulations, optimization, credit scorecards, IRB, IFRS9, etc. Comfortable in leading projects and training colleagues 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.
24 days ago
Senior Risk Portfolio Analyst - Manchester / Homeworking
Up to £50,000 + Benefits
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, up to £50,000 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! Home-working available 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.
25 days ago
Credit Risk Contractor x 2
£450 - £500 per day
MERJE is looking for a 2 experienced Credit Risk professionals to join an established specialist lender as soon as possible on a 3-month contract basis. The roles will involve providing insight into loan book performance, segmentation and analysis of the portfolio to improve efficiency and automation and supporting the development of IFRS9 reporting. Suitable candidates will have: 3-5 Years Credit Risk 3 years SQL/PowerBI Advanced Excel Banking/Mortgage Lending – ideally understand the Mortgage Lending world Rate: £450 - £500, 75 days/3 months’ work initially
27 days ago
Credit Risk Manager
Flexible Dependent on Experience
MERJE is looking for an experienced Credit Risk Manager to join an established FS company and provide oversight of the credit risk management strategy, understanding strengths and weaknesses, controlling credit risks and ensuring exposure is within appetite. You will be joining a Financial Services business with a long history of consumer lending and a fantastic, collaborative working atmosphere. One of the largest of its kind in the UK, the company constantly grows and develops in line with consumer trends. This company is unable to provide sponsorship Key Responsibilities of the Credit Risk Manager: Oversee credit risk exposure for key business portfolios Support the business in meeting Credit Risk Appetite in line with SRL strategic objectives Ensure suitable KRI’s and reporting are in place Review credit policy and provide oversight by undertaking assurance that FS end to end operational processes are effective and efficient Review the level of integrity of credit-related data Assess whether reporting capability is of sufficient scope and quality to understand overall credit risk Ensure models are satisfactory – Application, Behavioural & Collections Scorecards, IFRS 9 Impairment (PD, EAD, LGD) models, etc. Required knowledge and experience for the Credit Risk Manager role: Experience in Credit Risk within Financial Services Strong technical Credit Risk knowledge – models, strategies, etc. Experience of managing and working with Credit Risk policies and procedures within an FCA regulated firm Ability to identify and articulate weaknesses and solutions Experience of managing and working with Credit Risk policies and procedures within an FCA regulated firm, able to influence at all levels An understanding of conduct risk and delivering fair customer outcomes 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.
9 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