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IFRS9 ANALYST

MILTON KEYNES

£50,000

THE COMPANY:

Our prestigious client, a well-established UK bank, is seeking a dynamic and experienced professional to join their team in a role focused on impairment model oversight and control. You’d get to work in a close-knit team that really place importance on learning and development.

THE ROLE:

This role will work predominantly with a focus on IFRS9, as part of the Provisions and Forecasting team. You will be involved in:

• Governance of models, working alongside the model development team within this
• Maintaining and monitoring impairment models
• Broader assessment of provisioning and month end processes
• Wider work on capital assessments and driving improvements across the bank
• Executing DoD engines and wider models for the bank

SKILLS AND EXPERIENCE:

• Knowledge of and experience working with IFRS9 models is essential
• Proficiency in SAS or SQL
• Broader experience in capital and impairment provisioning

SALARY AND BENEFITS

• Base salary of up to £50,000
• Pension contribution scheme
• 25 days holiday
• Private medical insurance
• Subsidised gym membership

HOW TO APPLY

Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

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LEAD CREDIT RISK ANALYST

UP TO £75,000

REMOTE

An exciting fast paced lender is looking to add a hardworking, driven Lead to their credit analytics team. The role will involve working closely credit risk stakeholders and heavily contribute to acquisition strategies.

THE COMPANY

This personal loans lender operate remotely. They are a lean, fast paced business with a huge focus on employee wellbeing which is reflected in their supportive culture and generous benefits package. They are established on the market and are always striving to grow their book.

THE ROLE

The role will be a lead analyst in the acquisition strategy team and help contribute to grow the book. This individual will work closely with pricing team, credit risk manager and head of credit risk. The team use SQL on a daily business for analytics.

SKILLS AND EXPERIENCE

• Experience using SQL
• Strong acquisition credit risk strategy experience
• Ideally unsecured personal loans experience
• A strong university degree in a numerate discipline

SALARY AND BENEFITS

• Up to £75,000 base salary
• Discretionary Bonus
• Strong pension contribution
• Private Healthcare

HOW TO APPLY

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

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LEAD CREDIT RISK MODELLING CONSULTANT

UP TO £110,000

LONDON

This role does offer sponsorship.

This role is a core role within the company’s growing modelling division. The team are responsible for market risk models, IRB, IFRS9, and impairment. You will gain exposure to all these models.

THE COMPANY

This company is a well-established and trusted bank providing a wide range of banking and financial services and is a global player.

THE ROLE

You will be doing the following daily:

• Develop and document robust credit risk models, such as probability of default (PD), exposure at default (EAD), and loss given default (LGD), including challenger models using various modelling techniques, such as machine learning.
• Evaluate models against internal standards and regulatory requirements to ensure compliance before submission to internal and external approvers.
• Collaborate with stakeholders across various areas and disciplines, including business units, global risk, data analytics, model risk management (including validation), and internal and external audit, either directly or through relevant forums.

YOUR SKILLS AND EXPERIENCE

• Experience with wholesale modelling experience, looking at PD, EAD, and LGD models focusing on IRB.
• Previous model development experience.
• Strong understanding of Regulation Requirements.
• Python, SAS, SQL, and Excel skills.
• Excellent written and verbal communication skills.
• Strong numerical degree from a Russel Group University

THE BENEFITS

• Up to £110,000 salary.
• Generous pension contributions.
• 27 days holiday + bank holidays.
• Hybrid working.
• + other additional benefits.

HOW TO APPLY

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

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SENIOR CREDIT RISK ANALYST – IMPAIRMENT

UP TO £52,000

MILTON KEYNES

This role does not offer sponsorship.

This role is a core role within the company’s risk division, provisioning and forecasting team. You will be responsible for the maintenance and execution of the full suite of credit impairment models as well as DoD engines. You will be a key player in determining the credit loss budgets for the business.

THE COMPANY

This company is a well-established and trusted bank providing a wide range of banking and financial services. The business offers current accounts, mortgages, cards, savings, investments, insurance and loans.

THE ROLE

You will be doing the following daily:

• Facilitate the change process and execute the implementation of new models.
• Actively collaborate with various risk sectors, including forecasting, portfolio management, and collections.
• Develop and present materials, delivering results to governance forums and committees.
• Engage regularly with external auditors to ensure the smooth completion of half-year and year-end audits.
• Assist in internal audit activities and address internal validation points for closure.
• Play a proactive role in reviewing and challenging the next generation credit risk provisioning models.
• Maintain up-to-date process documentation reflecting any model changes.
• Contribute to the development of Management Information (MI) Analytics dashboards.

YOUR SKILLS AND EXPERIENCE

• Experience with building and running models in SAS or a similar software.
• Strong understanding of risk management regulations and guidelines.
• Advanced Excel skills are essential.
• Excellent written and verbal communication skills.
• Strong numerical degree from a Russel Group University

THE BENEFITS

• Up to £52,000 salary.
• Generous pension contributions of up to 12.5% from the employer.
• 27 days holiday + bank holidays.
• Share plans.
• Hybrid working.
• + other additional benefits.

HOW TO APPLY

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

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Director of Risk

Up to £180,000

Hybrid

London

The Company

I am hiring a Director of Risk for a very exciting fintech based in London that focuses on B2B lending for mid-sized to large enterprises. In this role you will be leading multiple functions and being the risk SME for the business both internally, and externally to investors and C-Suit.

The Role

As a Director of Risk, you will be:

• Structuring lending deals with large businesses and making sure these are in line with regulations
• Setting up risk policies and frameworks for risk analytics, collections, underwriting, and financial crime
• Using data to make important business decisions
• Working closely with Product development as the Risk SME for the business
• Development and implementation of risk strategies for the business and business partnerships
• Managing the business-to-business relationships with senior stakeholders.
• Managing key stakeholder relationships with C-suite and investors to highlight risks the business may face

Your skills and experience

To be successful as a Director of Risk, you will need:

• Strong experience working for a credit fund.
• Strong experience setting up risk frameworks and polices for different products across a business
• Experience working with underwriting teams, finance and merchant assessment
• Ideally, experience working with credit funds
• A strong data-driven mindset being able to drive decisions using purely data

Benefits

Up to £180,000 + benefits package

HOW TO APPLY

Please register your interest by sending your CV to Sean Tunley via

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Senior Credit Risk Strategy Analyst

Up to £75,000

Hybrid

London

The Company

I am hiring a Credit Risk analyst top innovative FinTech’s based in London. Within this role you will be bringing your credit risk strategy experience to focus on driving business growth and profitability using tools like SQL and Python alongside your commercial background.

The Role

As a Credit Risk Strategy Analyst, you will be:

• Developing new insights to drive optimisation of credit risk strategies.
• Detecting new trends on customer data to help increase business revenue
• Developing credit risk strategies for Acquisitions and Existing Customers.
• Working with senior leadership to implement/improve strategy.
• Using SQL and Python daily for strategy development

Your skills and experience

To be successful as a Credit Risk Analyst, you will need:

• Experience as a credit risk strategy analyst
• Experience working in a fast-paced environment
• Experience developing credit risk strategies for Acquisitions and/or Existing Customer
• Experience working with SQL and Python
• STEM Degree from a top university

Benefits

Up to £75,000

HOW TO APPLY

Please register your interest by sending your CV to Sean Tunley via

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SENIOR RISK IMPLEMENTATION ANALYST

UP TO £53,000

BIRMINGHAM

This is an exciting new opportunity to join the 2^nd largest banking group in Europe. The bank is going through a large digital transformation making it an exciting time for the business with exciting digital platforms.

THE COMPANY

You will be working in the Risk Analytics function of the bank across the product offerings in personal finance. This company is a trailblazer in the financial landscape offering an array of personalised and innovative solutions. As a trusted partner in the financial space this company dedicates its time to empowering individuals with tailored services catering to customers unique needs.

THE ROLE

• Develop and maintain in-depth expertise of decision system engines, including understanding limitations and associated governance.
• Acquire strong knowledge of risk strategies across various company portfolios.
• Implement changes within multi-bureau hubs, encompassing tasks such as requirements gathering, change management with credit reference agencies, development, testing, implementation, post-implementation monitoring, communication, and documentation.
• Implement application and scoring strategies/policies within decision engine systems, including Scorecard Admin.
• Collaborate within a cross-functional team to ensure all risk and implementation aspects are addressed and delivered, such as in project deliveries.
• Maintain validation of exception reports for decision engine monitoring, ensuring any changes are communicated, when possible, before implementation to the team responsible for monitoring logic.
• Ensure that all changes implemented into the system adhere to relevant control and governance programs.
• Promote knowledge sharing within the Risk Implementation Team to support business continuity.
• Ensure continuous operation of links to credit bureaus.

YOUR SKILLS AND EXPERIENCE

• Strong numerate degree from a Russel Group University.
• Strong Excel, SAS, and SQL skills.
• Strong understanding of Risk Decision Systems.
• Experience working with Credit bureau data.
• Experience with Decision systems such as Probe, Strategy Manager, Triad, Provenir etc.
• Excellent written and verbal communication skills.

THE BENEFITS

• Up to £53,000 salary.
• Hybrid working model.
• Pension scheme.
• Compensation scheme.

HOW TO APPLY

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

To Apply for this Job Click Here

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Wholesale Credit Risk Consultant

Salary up to £100,000

London (3-4 days a week in the office

Harnham are pairing with a unique financial consultancy to bring in a new Wholesale Credit Risk Consultant, providing the exciting the opportunity to work alongside leading financial institutions around the world, focusing on end-to-end modelling.

The Company

The company in particular are a global financial consulting firm with extensive industry experience and recognition. The boutique size of the consultancy means that you’ll be able to create real change and directly influence business performance within your position.

The Role

As a Wholesale Credit Risk Consultant, you’ll be working within modelling team, focusing mainly on end-to-end IRB model work. However, the role allows for varied project work, depending on client projects, including, advising local and relevant international regulations within financial services, risk appetite/limiting projects, and opportunities to work across ICAAP/ILAAP.

Your Skills and Experience

• 4+ years of experience within in credit risk in consultancy or financial services/banking
• IRB model development experience
• Wholesale experience
• Experience using either SAS, Python, R, or Matlab

The Benefits

• Salary up to £100,000 (Based on experience)
• Hybrid working environment
• Holiday entitlement
• Pension scheme
• Bonus

How To Apply

Please register your interest via the apply link on this page, or send your CV

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CREDIT RISK CONSULTANT – WHOLESALE IRB MODELLING

£90,000

LONDON

THE COMPANY

This exciting boutique consultancy have an opportunity for an experienced candidate to join the business. This offers the chance to work across a range of credit modelling projects with clients across the financial services space. This global firm are growing significantly and offer the rare opportunity to be involved in this future growth and strategy of the business as they continue to grow

THE ROLE

• Developing IRB and IFRS9 models for a range of wholesale clients, across the full suite of PD, LGD and EAD
• Wider work on stress testing, ICAAP and ILAAP reviews
• Leading analytical deep-dives into model performance and statistical trends
• Working closely with a number of clients taking real ownership of projects and seeing these through end-to-end
• Opportunity to work with senior stakeholders in the business to help drive the strategy of the business and contribute to future growth

YOUR SKILLS AND EXPERIENCE

• Prior experience in IRB model development is essential
• Prior experience in the wholesale lending space is essential
• Strong knowledge in SAS, SQL or Python
• Wider regulatory knowledge is desirable
• Strong academic background with a degree in a numerical subject

SALARY AND BENEFITS

• Up to £90,000 base salary
• Discretionary bonus
• Pension contribution scheme
• Excellent opportunities for career progression
• Flexible working model

HOW TO APPLY

Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

To Apply for this Job Click Here

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IRB MODEL DEVELOPMENT CONSULTANT

UP TO £90K

LONDON

This is a fantastic opportunity for an experienced professional to play a key role in the development and implementation of Internal Ratings-Based (IRB) credit risk models for banks and financial institutions.

THE ROLE

• Develop and validate IRB models: Lead the development and validation of PD, LGD, and EAD models in line with regulatory requirements (Basel III/IV).
• Quantitative analysis: Apply advanced statistical techniques, machine learning methods, and data analysis to build risk models.
• Stakeholder management: Collaborate with key stakeholders including clients, risk management teams, and regulatory bodies to deliver tailored solutions.
• Documentation: Prepare comprehensive model documentation, including technical reports, model validation findings, and compliance assessments.
• Consultancy support: Provide expert advice and insights to clients on regulatory trends and the strategic impact of model changes on capital requirements.

REQUIREMENTS

• IRB model development experience
• Strong proficiency in statistical modeling techniques, with experience in tools such as R, Python, SAS, or SQL.
• A degree in a quantitative field such as mathematics, statistics, economics, or finance; a postgraduate qualification is a plus.

Please apply below!

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IRB CREDIT RISK MODELER

UP TO £90,000

LONDON

This is an exciting new opportunity for a technically strong credit risk consultant with strong IRB modelling experience.

THE COMPANY

The company is a boutique consultancy offering support across risk, finance, and strategy. They offer client-specific solutions as well as sustainable implementation development strategies. The business is people-driven meaning all employees actively participate in the running and development of the firm due to a flat hierarchy.

THE ROLE

You can expect to be involved in the following day-to-day:

• Working across projects with leading financial institutions from all around the globe.
• Work across end-to-end IRB model development.
• Advise on local and relevant international regulations in financial services.
• Set risk appetites and work across risk-limiting projects.
• Carry out stress testing and work on ICCAP/ILAAP modelling.
• Work cross-functionally with other teams within the business.

YOUR SKILLS AND EXPERIENCE

• 4-7 years of experience in the financial modelling space.
• Hands-on experience in wholesale IRB credit risk modelling.
• Experience in SAS, Python, R, or Matlab.
• Experience in ICAAP/ILAAP is desirable.
• Excellent written and verbal communication skills.
• Strong numerate degree from a Russel Group University.

THE BENEFITS

• A salary of up to £90,000.
• Hybrid working policy.
• Discretionary bonus.
• Generous pension contribution.
• Flat hierarchy, allowing you to contribute to the running of the business.

HOW TO APPLY

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

To Apply for this Job Click Here

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ASSISTANT DIRECTOR – BUSINESS MODELLING & ANALYICS

UP TO £105,000

LONDON

This is an exciting new opportunity to join this companies Business Modelling and Analytics team as part of the Financial Advisory body. You will support across all business modelling and enable better decision making.

THE COMPANY

The company is one of the big four consultancies offering a range of products including audit, risk advisory, tax, legal, and corporate finance. You will be working in one of the most experience teams in the field and gain exposure to blue chip clients across a range of sectors.

THE ROLE

You can expect to be involved in the following day-to-day:

• Analysing the financial implications of various strategic alternatives.
• Developing transaction models for acquisitions and separations at key stages throughout their lifecycle.
• Conducting corporate and financial restructuring, including evaluating different funding options such as debt and equity.
• Modelling an organisation’s working capital requirements and cash flows.
• Identifying, quantifying, and modelling synergies, including their realisation and value capture.
• Creating business cases to support investment decisions and prioritise resources.
• Managing model risk through the development of robust model frameworks.
• Contributing to business growth through business development initiatives

YOUR SKILLS AND EXPERIENCE

• Previous experience working in a financial modelling team.
• Experience developing and/or reviewing models with financial statements.
• ACA Exam qualified.
• Strong business diagnostic skills.
• Strong Excel skills with VBA, SQL, Python as desirable.
• Excellent written and verbal communication skills.
• Strong numerate degree from a Russel Group University.

THE BENEFITS

• A salary of up to £105,000.
• Discretionary bonus.
• Hybrid working scheme.
• Generous pension contribution.

HOW TO APPLY

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

To Apply for this Job Click Here