Lead Credit Risk Analyst

LEAD CREDIT RISK ANALYST

UP TO £55,000

BIRMINGHAM

This role does not offer sponsorship.

This company is going through growth and looking to take on a new Lead Credit Analyst. You will set the risk appetite for the company while maintaining and monitoring performance of portfolios. You will be able to shape and drive credit strategy for unsecured lending products.

THE COMPANY

This is an exciting opportunity to work for a global banking and financial services institution. With over 150 years of history this company is well established and known for its services globally.

THE ROLE

You will be doing the following daily:

• Develop, enhance, and optimise credit risk and collections strategies, leveraging data-driven insights to make high-quality decisions for our customers.
• Conduct analyses to evaluate credit portfolios against agreed-upon performance indicators, ensuring alignment with strategic goals.
• Drive business growth by contributing to Workforce Planning and Benefits (WPB) initiatives, providing analytics for the design and implementation of new lending products, improving existing features, and managing customer exposure.
• Take the lead on complex analytical projects, seeing them through to completion with minimal guidance.
• Formulate and clearly communicate conclusions and proposals, considering risk, reward, and customer impact, and collaborate with teams to facilitate decision-making.
• Identify solutions to emerging risk issues, changing priorities, project completion challenges, and areas of conflict.
• Challenge established policies and procedures when appropriate, proposing improvements to enhance efficiency.
• Ensure portfolio strategies and processes adhere to relevant regulations and regulatory guidance.
• Foster strong interpersonal relationships, engaging with the broader organization to offer insights and support changes that improve customer outcomes.
• Cultivate relationships with and contribute to the development of junior team members and offshore analysts, enhancing their knowledge, understanding, and experience.
• Provide progress reports on initiatives to Senior Management.

YOUR SKILLS AND EXPERIENCE

• Previous experience working within the Credit Risk space on secured or unsecured products.
• Strong analytical capability, using SAS, SQL or Python
• Knowledge of FCA regulations
• Excellent written and verbal communication skills
• Strong numerical degree for a Russel Group University
• Strong numerical degree from a Russel Group Universities.

THE BENEFITS

• Up to £55,000 salary.
• Tailored professional development opportunities.
• Private healthcare.
• Contributory pension scheme with a generous employer contribution.
• Bonus scheme.

HOW TO APPLY

Please register your interest by sending your CV to Gaby Adamis via the Apply link on this page.