Credit Risk Analyst

London
£35000 - £65000 per annum + Comprehensive Benefits Package

Credit Risk Analyst
London
Up to £65,000

An exciting opportunity to build a next generation bank. You'll be working closely with the engineers in a collaborative team environment - manipulating and analysing mass raw and structured data to drive business, lending and customer decisions. You'll need to be commercially minded to develop Credit Risk Strategies to grow the business

THE COMPANY

Join some of the brightest people in the Analytics space as they build out a digital bank. The business has been at the cutting edge of retail banking for 10 years but is now building out an entire product suite and is growing out their elite analytics function .

The common denominators across a diverse and highly skilled team are being:

  • extremely bright with top level academics
  • analytically minded with a numerate background
  • technically strong with programming experience in SAS, SQL, Python, R etc
  • passionate about using technology to improve and transform consumer banking


THE ROLE

  • Drive insight from data, assess the commercial impacts on the P+L and make recommendations
  • Develop Credit Risk Strategies on the back of data and analysis
  • Work with cross-functional teams to drive strategy development, influence strategic decisions and identify opportunities through advanced analytics
  • Develop models, monitor trends, and apply test and learn to drive step-change improvements in the lending facility


THE BENEFITS

  • Up to £65,000
  • Opportunity to own shares
  • Work in an extremely bright and productive team
  • Make consumer banking better
  • Informal office environment


KEYWORDS

Analytics, Credit Risk, Business Analyst, Strategic Analytics, Credit Risk Strategies, Acquisitions, Customer Management, Collections and Recoveries, Pricing, Credit Limits, SAS, SQL, R, Python

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London
£35000 - £65000 per annum + Comprehensive Benefits Package
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Harnham's 2019 Salary Guide: The Launch Event

The 2019 Harnham Salary Guides are nearly here. Last night saw a hundred of Data & Analytics' top professionals gather to get their hands on an advanced copy and hear from some of the best in the industry.  With talks from Tom Spencer (Aviva), Mark Ainsworth (Schroders), and Anna Decoudu (118 118 Money), attendees were treated to insights into some of the world's best Data teams.  A huge thank you to everyone who came along, we hope you found the evening as enlightening as we did.  Our UK, US and European Salary Guides will all launch online mid-June. To be one of the first to get your hands on a copy, sign up to our mailing list here. 

The Advantages And Disadvantages Of Computer Vision

The Advantages And Disadvantages Of Computer Vision

“Don’t judge a book by its cover”. We use this adage to remind ourselves to go deeper and to look beyond the superficial exterior. Except, sometimes, we can’t, or won’t. Sometimes, our perceptions are pre-programmed. Think family, peer pressure, and social influences. But what about computers? What do they see? In a digital landscape that demands privacy but needs information, what are the advantages and disadvantages of Computer Vision? The Good: Digital Superpowers  Let’s be clear, Computer Vision is not the same as image recognition, though they are often used interchangeably. Computer Vision is more than looking at pictures, it is closer to a superpower. It can see in the dark, through walls, and over long distances and, in a matter of moments, rifle through massive volumes of information and report back its findings. So, what does this mean? First and foremost, it means Computer Vision can support us in our daily activities and business. It may not seem like it at first glance, but much of what the computer sees is to our advantage. Let’s take a deeper look into the ways we use Computer Vision today. Big Data: From backup cameras on cars to traffic patterns, weather reports to shopping behaviours and everything in between. Everything we do, professional to personal, is being watched, recorded, and used for warning, learning, saving, spending, and social. Geo-Location: Want to know how to get from Point A to Point B? This is where Geo-location comes in. In order to navigate, the satellite must first pinpoint where we are and along the way, it can point out restaurants, shops, and services to ease us on our way.Medical Imaging: X-rays, ultrasounds, catheterisations, MRIs, CAT Scans, even LASIK are already in use. Add telemedicine and the possibilities are endless. The application of these functions will allow faster and more accurate diagnoses and help save lives.Sensors: Motion sensors that only turns a light on when a heat signature is nearby are already saving your home or business money on your electric bill. Now, during a shop visit when you are eyeing an intriguing product, your phone may buzz with a coupon for that very item. Computer Vision sensors are now tracking shopper movements to help optimize your shopping experience.Thermal Imaging: Heat signatures already help humans detect heat or gas and avoid dangerous areas, but soon this function will be integrated into every smart phone. Thermal imaging is no longer used just to catch dangerous environments, it’s used in sport. From determining drug use to statistics and strategy, this is yet another example . The Bad: Privacy Will Forever Change  Google is 20 years old this year. Facebook is 15. Between these two media tech giants, technological advances have ratcheted steadily toward the Catch-22 of both helping our daily lives, whilst exposing our data to our employers, governments, and advertisers. Computer Vision will allow them to see you and what you’re doing in photos and may make decisions based on something you did in your school or university days. We’re already pre-wired to make snap judgements and judge books by their cover, but what will these advancements do to our daily lives? Privacy will change forever.  We document our lives daily with little regard to the privacy settings on our favourite social media apps. GDPR has been a good start, but it’s deigned to protect businesses and create trust from consumers, rather than truly offer privacy. So far, the impact on our privacy has been limited as it still takes such a long time to sift through the amount of data available. However, the time is coming soon, where we’ll need to perhaps think of a privacy regulation businesses, employers, and governments must follow to protect the general population. Fahrenheit 451, 1984, and Animal Farm were once cautionary tales of a far-off future. But Big Brother is already watching and has been for quite some time. Police monitor YouTube videos. Mayors cite tweets to justify their actions. And we, thumb through our phones tagging friends and family without discretion.  Like every new technological advancement there are advantages and disadvantages. As Computer Vision becomes increasingly prevalent, we’ll all need to be aware of the kind of data we supply from to text to image. We can’t go back to the way things were, but we can learn about ourselves through the computer’s lens. And when it comes to computers and their capabilities, don’t judge a book its cover. If you’re interested in Data & Analytics, we may have a role for you. Take a look at our latest opportunities or get in touch with one of our expert consultants for more information. 

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