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Senior Credit Risk Analyst

  • Location

    Durham

  • Discipline:

    Credit Risk & Analytics

  • Job type:

    Permanent

  • Salary:

    up to £45,000

  • Consultant:

    Nuhaa Mohamed

  • Email:

    nmohamed@merje.com

  • Job ref:

    NM/15199

  • Published:

    12 days ago

To drive innovation and continuous improvement in credit risk decision making, so our credit risk capabilities become a key contributor to our overall competitive advantage. To support the growth plans of the business, whilst protecting downside credit risk and customer satisfaction. 

This Client does not provide sponsorship.

Key Responsibilities of the Senior Credit Risk Analyst:

Credit Risk Strategy Management

  • Monitor and evaluate the performance of individual policy rules, cut-offs, scorecards and champion challenger tests, initiating proposals where necessary to roll-out existing challengers or to implement new challengers
  • Monitor operational drivers of credit risk performance, initiating proposals where necessary to optimise the balance between manual and automated decisioning.

Management oversight and reporting

  • Develop and maintain the production of regular MI to support the monitoring and evaluation of credit risk KPIs, key drivers and performance of credit risk strategies
  • Develop and maintain the production of credit loss forecasts

Credit risk management margin optimisation proposals

  • Identify the need to change; credit strategies, systems functionality, operational processes and data acquisition and deployment (through data analytics and through discussion with colleagues and suppliers)
  • Develop proposals, based largely upon data analytics to model the long term value of the change

Other business proposals

  • Estimating and delivering credit loss assumptions for input into proposals initiated by other areas of the business (e.g., product development proposals, marketing campaign proposals)

Capability and change

  • Work with internal colleagues and with suppliers to; define requirements, procure, build, test and implement new credit risk capabilities such as new data sources, new scores, new systems and operational processes

Ideal knowledge and experience of the Senior Credit Risk Analyst:

  • SAS analytics (core)
  • Long-term value business case development (core)
  • Portfolio risk management (core)
  • Credit risk regulation, governance and compliance (core)
  • CRA products and services (advanced)
  • MI report development and productionisation (advanced)
  • SQL programming (intermediate)
  • Office skills: Excel (Advanced), Word, Powerpoint (intermediate)
  • Numerate degree or equivalent professional qualification