Credit Risk Portfolio Analyst - SAS/SQL

London
£40000 - £50000 per annum

THE ROLE:

As a Portfolio Analyst you will be:

  • Identifying and developing risk appetite while working with different teams across the business
  • Creating new or improving existing credit risk strategy to optimize and add value to the UK retail and business banking portfolios
  • Evaluating, analysing and leveraging a range of statistical and written information using SAS / SQL
  • Developing appropriate data driven policies and strategies and working with Policy and Governance team to embed effective policies within the product and operations areas
  • Proactively Identifying opportunities to revise policies to enhance product strategy and returns, ensuring the risk appetite is aligned with strategic aims

YOUR SKILLS AND EXPERIENCE

  • Analytical skills and experience working with data at a high level, using programmes such as SAS and SQL
  • Strong knowledge and experience working within a credit risk environment with a good understanding of Retail credit risk processes
  • Excellent Interpersonal skills with ability to communicate to varying technical ability levels
  • Educated to degree level in a statistical or numerical subject
  • Strong analytical skills, ability to digest and interpret complex concepts underpinning Credit Risk modelling and approaches, Ideally using SAS/SQL/Excel

HOW TO APPLY:

If this sounds like the right role for you please apply ASAP using the Apply link on this page.

KEYWORDS:

SAS, SQL, Portfolio Analyst, Credit Risk, London, Credit Risk analytics, Portfolio, R, Python

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VAC-26890
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£40000 - £50000 per annum
  1. Permanent
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Harnham blog & news

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Visit our Blogs & News portal or check out our recent posts below.

How To Get The Most Out Of Your Recruiter

As a recruiter I’ve had some great relationships with candidates over the years. I view these relationships like partnerships and an ideal partnership is one where communication is natural and transparent.  Some partnerships have worked better than others, and I’ve seen some common denominators in the ones that work (and the ones that don’t). Let me preface this with one thing:  We want to help you get the job.   However, we are working with specific guidelines and role requirements. Sometimes that means we have to give feedback to you and let you know that you’re not qualified or you’re not exactly what our client is looking for.  When I give this kind of feedback it is because we are trying to help you streamline your efforts towards processes that you will nail, and ultimately get you a job that you’re happy with. If you’re looking for your next job and would like to collaborate with a recruiter, my biggest tip would be that in order to get the most out of you recruiter you should: BE HONEST About your salary expectations Salary can be a taboo subject. As your recruiter we need to know what salary you would be happy with because our clients have a budget that they need to stick to. By being open about what your current earnings are, and what you’d like to earn in your next role, we can make sure you don’t get an offer which is ultimately too low for you. Be 100% honest about your ambitions and current levels, and we will advocate for you all the way. About your current role and responsibilities When we chat, I’ll often ask a lot of questions and try to get a lot of detail. Speaking to a recruiter can feel like an interview, but we’re not trying to trip you up. We’re trying to find out what you’re doing right now – all of it. Not because your next job is going to be the same, but because we need to find out how transferrable what you’re doing right now is to our client and if you’re able to take on a new set of skills.  We also use this conversation to assess your communication skills, and if you’re unable to explain what your current role involves then we can work together on your interviewing technique. About other processes that you’re in Sometimes when I ask candidates about their other processes they feel uncomfortable. If you’re working with another recruiter or if you’ve already applied directly to one of my clients, that’s okay but I need to know so I can: Find out if you have impending offers that my clients should know about. Understand which roles you’ve been targeting and thus which types of businesses you naturally felt inclined to pursue (maybe I have similar roles at similar companies). Help you with time management and ensure you can prepare accordingly.  Avoid accidentally meddling in an existing process that you’re already in through a speculative conversation. 
About reasons you’re looking for opportunities Tell your recruiter why you’re on the market, so that we can make sure you’re not on the market again for the same reason in six months. That means you need to be honest about why you’re leaving! How else can I make sure that we’re alleviating your current frustrations? For example: Hate your manager? That’s too bad! What management style would you prefer? Do you want to learn a new skill? Let me find out which of my clients can help you. Looking for a more senior role? Which responsibilities would you like to have  Passionate about getting into driverless cars? I won’t tell you about my retail roles! Just curious? Absolutely fine – but that means we need to discuss the root of your curiosity in more detail so that we don’t talk about every job from here to the moon. The list goes on but the more detail I have, the more efficient I can be in selecting the right role based on your motivations. About your interview experience I’m not looking for one-liners when I ask about your most recent interview. I want to know how you're feeling, what you learnt, and more. Did the interview leave something to be desired? OK, how can I help you get your hands on it? If you already know you don’t want this job, that’s absolutely fine. But it would be great to know why so we can avoid similar situations.  Maybe you feel like you underwhelmed the interviewer and that you should have answered something differently? I can be your messenger after the fact, so you have another chance to get your message across. Ultimately, recruiters are here to support you through a stressful process. We want to make your search easier by being your agent. To make sure we are able to represent you to the best of our ability, we need a great candidate/recruiter relationship, a relationship that is honest and transparent.  As I mentioned at earlier, ultimately, we just want you to find the right role for you. If you’re looking for a role and would like to partner with a recruiter, take a look at our latest opportunities or get in touch. 

2018 Top Five Data & Analytics News Stories

2018 has seen Big Data & Analytics come to the forefront on the public’s attention like never before. A series of scandals, new laws, and technological developments have opened up fresh conversations about who has access to our data, and what privacy really means in the 21st Century.  In a year with a lot of news, it’s no surprise that some of the biggest stories have had a major impact on the Data & Analytics marketplace. As 2018 comes to a close, we’ve pulled together five of the biggest stories that have not only had a huge impact this year, but will continue to have repercussions in 2019 and beyond.  #5. Apple Become the World’s First $1 Trillion Company At the beginning of August, Apple became the first company to be valued at $1 Trillion. A result of the launch of their premium iPhone X, they beat rivals Microsoft, Amazon and Alphabet to the milestone. Initial fears that the death of Steve Jobs in 2011 would stall the company’s growth proved to be unfounded, highlighting that product and brand still play the largest role in consumer loyalty.  This achievement has raised the bar for what a tech company can achieve, and expect to see numerous others attempting to reach this level over the next decade. For an idea of what they’ll have to achieve, however, take a look at the New York Times’ visualisation of what a $1 Trillion value really means.  #4. Google Walk Out Over Women’s Rights Following the #MeToo movement coming to precedence in 2017, businesses are now being properly scrutinised for their treatment of women. From the gender pay gap, to cases of sexual harassment, people are demanding transparency and accountability. Within Data & Analytics, the protests at Google were the leading example.  Allegations surrounding the company’s handling of claims of sexual misconduct led to staff around the world walking out. Looking for several key changes, in particular the end of forced arbitration, employees highlighted Google’s key mission statement of ‘Don’t Be Evil’.  Diversity and equality will continue to take centre stage in the years to come, with smaller businesses likely to face similar amounts of scrutiny. We’ll be releasing our report on the state of Diversity in Data & Analytics in early 2019, so come back soon to get your copy.   #3. The Crypto Crash Having peaked at $19,783.06 in December ’17, 2018 saw Bitcoin, and numerous other cryptocurrencies, finally crash. Whilst this had been predicted for a while, it looks as though it may take some time for any of the currencies to gather any new momentum and regain stability.  Tough new restrictions in China, one of the biggest countries for crypto, as well as ICO Ad bans on Twitter, Facebook and Instagram will limit the number of new and returning buyers. Furthermore, initial moves into the mainstream, such as Barclay’s crypto trading project, appear to have stalled. In contrast to the past few years, the future of crypto is no longer looking so bright.  #2. GDPR Comes Into Play Anyone who works with any form of data couldn’t miss the introduction of GDPR, as it became enforced in April this year. A complete rewrite of the rules for data protection, we’re only beginning to see its true impact, as the first UK enforcement finally arrives.  Many industries are already feeling a more specific impact, however. In particular, those working in Ad Tech have found the new regulations to be frustratingly limiting to their capabilities. Despite these issues, this is far from the end of GDPR, as both the US and India look to introduce similar regulations in the not-too-distant future.  #1. THE CAMBRIDGE ANALYTICA SCANDAL The biggest Data & Analytics story of the year is, undoubtedly, the Cambridge Analytica scandal. A watershed moment in the public’s perception of how their data is used, concern grew from privacy issues to potential large-scale election rigging. The resulting chaos has seen an immense amount of pressure on Facebook and, in particular, Mark Zuckerberg, who has been called in front of numerous governments. Whilst the outcomes don’t appear to have ultimately been too dire for Facebook as a business, the consequences of the scandal will continue to be felt for a long time to come.  Data breaches now regularly make headline news and the way we scrutinise how companies use our data is forever changed.  If you’re looking to make a big impact in 2019 and beyond, we may have a role for you. Check out our latest roles or get in touch with one of our specialist consultants. 

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