Lead Credit Risk Modeller

We’re Atom…

The bank that’s leading the fintech charge.

We’re not like the rest. We’re true innovators, and we’re redefining what a bank should be. Ours is a bank for

today and the future, a mobile-first bank. Forget the stuffy branches, with Atom you can bank whenever,

wherever, faster, and simpler.

Could you be the next innovator to join us?

What will your typical day look like?

What will your typical day look like? Different that’s for sure…

Here at Atom, the Risk team is made up of Operational Risk, Compliance, Financial Risk and Credit Risk. We are working towards achieving an A-IRB waiver. As a Lead Credit Risk Modeller, you’ll join a team focused on enhancing our credit risk modelling capability as Atom continues its journey towards becoming an IRB accredited bank.

The team ensures the bank has models that are both compliant and fit for purpose from an analytical view.

You will assist in building a full suite of PD, EAD and LGD models as Atom moves towards becoming an IRB accredited bank. In addition, they will be required to ensure that the solution aligns with our IFRS9 modelling approach and credit risk management principles.

This role will give you a rare opportunity to work with all functions within the bank, giving insight to a wide range of activities, working with external data and analytics suppliers where required. Furthermore, as the business grows, the requirements for analytics will expand significantly, providing opportunities to expand your own capabilities.

You will also:

• Support regulatory and compliance initiatives within Risk such as IFRS9 & IRB models and stress testing?
• Predict and drive a range of models such as forecasting, pricing, capital and impairments
• Deliver analysis to support key strategic projects and regular reporting requirements
• Actively engage in hands-on coding and documentation writing.
• Mentor, guide and train junior modellers

What do we need from you?

• Degree in a numerate discipline (e.g. Maths/Statistics/Economics or similar) with a high degree of statistics or comparable qualification/demonstrable comparable experience
• A self-starter with excellent time management skills
• Experience of data analysis tools, such as R, tidyverse, dplyr, Python, SQL, SAS or similar
• Sound understanding of one or more of the following modelling techniques - collaborative filtering, support vector machines, neural networks, linear and logistic regression, decision trees, random forests
• Good working knowledge of MS Excel

What you’ll get from us?

• Salary £75K - £80K
• Flexible Hybrid & Remote working
• 4-day work week
• Annual Share Option - performance-related
• Incredibly generous company pension scheme (maximum of 13% of Atom input - you can put in more)
• 'All About Me’ fund: £200 per year to spend on personal development.
• 22.5 days annual leave plus public holidays
• Private Medical Insurance, Health Cash Plan & Life Insurance
• Electric Vehicle Scheme

PLEASE NOTE: You must have the legal right to work in the UK to apply for this role as Atom is unable to support Visa Applications/Sponsorship

Atom is an equal opportunities employer. We value you as an individual and therefore disregard race, religion/belief, gender, sexual orientation, maternity/pregnancy, age, gender reassignment, marriage/civil partnership and disability in any hiring decisions we make. Atom will always adhere to the Equality Act 2010.

All roles within Atom must adhere to the Conduct Rules as set out by the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA)

As part of Atom bank’s commitment to the FCA’s Consumer Duty, Atom will, take all reasonable steps to avoid causing foreseeable harm to customers, take all reasonable steps to enable customers to pursue their financial objectives and act in good faith.