Harnham
SEARCH
Shortlist

Senior Credit Risk Analyst

West Midlands
£40000 - £50000 per annum
Apply Save job

Senior Credit Risk Analyst
West Midlands
£40,000 - £50,000

An established lender in the West Midlands is seeking a Senior Credit Risk Analyst to develop, analyse, optimise Credit Risk strategies, policies and procedures. There is a need to balance robust Credit Risk strategies whislt maximising accept rates and commercial outcomes, whilst also delivering good customer outcomes.

THE COMPANY:

A n established lender with successful retail portfolios, they prioritise learning, development and employee well-being.

THE ROLE:

  • Manipulate large sets of data using SQL and SAS (Python and R are OK too)
  • Draw business insights from large sets of data and form commercial ideas to grow the portfolio and mitigate risk
  • Develop Credit Risk Strategies, Policies and Processes on the back on your analysis
  • Manage the strategy optimisation process, attaining buy-in and working with stakeholder across the business
  • Mentor more junior team members on technical skills, analytical processes and commercial aspects
  • Develop, maintain and monitor account performance MI
  • Communicate analysis and findings with senior management and internal teams

YOUR SKILLS AND EXPERIENCE:

  • University degree in a numerate discipline from an accredited University
  • Experience working in an analytical role in a Credit Risk or related financial function
  • Experience driving Credit Strategy and Policies in the retail banking space
  • Experience using SAS and SQL (or similar) on a daily basis

BENEFITS:

  • £40,000 - £50,000
  • Comprehensive benefits package
  • Established banking client

HOW TO APPLY:

Use the apply feature on this page!!

KEYWORDS:

Credit Risk Analytics, Scorecards, Capital and Impairment, Provisions, Reporting, Forecasting, SAS, SQL, Excel, IFRS9, IAS, IFRS, Accounting, Collections, Loss Forecasting, Cash Recovery, Modelling, Data and Analytics,

Apply Save job
Send similar jobs by email
2498/cl
West Midlands
£40000 - £50000 per annum
  1. Permanent
  2. Portfolio Analyst

Similar Jobs

Business Lending Risk Manager
Salary

£50000 - £55000 per annum

Location

London

Description

Retail bank are searching for a Risk Manager with experience working on business banking products

ADD TO SHORTLIST
Business Analyst
Salary

£30000 - £38000 per annum

Location

Leeds, West Yorkshire

Description

Exciting opportunity to join a large and successful Fintech

ADD TO SHORTLIST
Credit Data and Analytics Manager
Salary

£60000 - £70000 per annum + 10% pension + 30% bonus

Location

London

Description

A Credit Analytics Manager role at a tech-progressive fintech lender focusing on Credit Data and Analytics across the lifecycle

ADD TO SHORTLIST
Senior Credit Strategy Analyst
Salary

£38000 - £45000 per annum + Competitive Benefits

Location

London

Description

This is the chance to mix analytics with decision making and a great role for a technically strong Credit Risk Analyst with a strong sense for the Commercials!

ADD TO SHORTLIST

Harnham blog & news

With over 10 years experience working solely in the Data & Analytics sector our consultants are able to offer detailed insights into the industry.

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

Trade Analysts Keep Money Flowing on the Field

What if you could manage risk and build a winning team the way Billy Bean does in Moneyball? If you’ve never seen the movie, it’s essentially this. You don’t need the best to win, the players who will cost you the most money or who are the most popular. You need players whose sole skill is to get on base. When it comes to the world of finance, how might you manage risk and find ways to get on base so to speak?  You may want to consider a Trade Analyst. Conversely, if you’re a data professional who’s got a nose for numbers, predictions, and the aptitude to get on base yourself, you may want to consider this as your next role. Not unlike so many Data Analyst jobs, you’re using Data to determine risk as well as deep dive into SWOT (strengths, weakness, obstacles, and threats) for your business. You’ll be managing statistics and pinpointing the best times of the day for optimal trading.  A Key Player in the World of Trade Much like a stockbroker begins when the markets open, so too, does a Trade Analyst. Your mission, should you choose to accept it, is to run point between the stockholders and those for whom they’re buying and selling.  Looking for puzzle solvers with an eye for detail and investigation, this role offers work with people from around the world. And as we continue, or as this year comes to a close, begin to cement our remote working opportunities, the world opens a host of opportunities for this role and many like it. What You Need to Know Buzz words abound in the data space and the classification for Trade Analyst can also be Financial Services Agent. Perhaps FSA is better as it gives a much more concise idea of what the job entails. However, Trader Analyst likens to a version of a Stock Broker who can drill down to the sharpest point what works, what will sell, what won’t, and how to fix what won’t work to what will.  While education is important for this role, the soft skills so in demand will be required here, too. Can you be the calm in the chaos? Does making the sale motivate you? Can you think on your feet? If you answered yes to any of these questions, here are a few education and skills components you’ll need to know. Degree in international business is a good place to start as is a degree in finance, economics, or logisticsAdd in a second language for good measureStrong research skills.Understanding financial trends within and across geographic regionsUnderstanding supply and demandHighly communicative with staff, executives, stakeholders, and the public. Not unlike a language professional who roles easily from a foreign language to English and back again, a Trade Analyst must be able to translate numbers and predictions into the language of persuasive bargaining. Market analysis conducted through such platforms as polls and surveys. This role offers job security for the professional who comes alive in a fast-paced environment within the world of business. Your wallet and bank account may thank you, too.  Going to the Show In baseball, going to the show implies you’re in the major leagues. That you’ll perform on the field of a major league team. You’re officially ‘on stage’. And so, it is with your role, even entry-level, of a Trade Analyst. From the moment you’re in the office and the phone rings to the final closing bell of the exchange, you’re on the field, and playing with the heavy hitters. You’ll identify risk, engage with customers, pay attention to the score, er deliverables and expectations, all the while staying in compliance with regulations.  If you’re looking for a role in Data & Analytics or are interested in finance or international trade analysis, we may have a role for you. Take a look at our latest opportunities or get in touch with one of our expert consultants to learn more.  

Sam Maughan

Sam Maughan

19. November 2020

News

Risk Analytics & Your Job Search

Risk Analysis is a daily part of our decision-making process. Its influences are felt in how we prioritise projects. Hello, project management. It determines when we take breaks. And in the working from home or remote working culture, lines between personal and professional life are soon blurred. Our decision-making ratchets through microanalyses of next steps, words to use, when to log off the computer, and what time to make lunch or dinner. Almost without realising it, we're using the SWOT matrix determine risk. That's just in our personal day-to-day lives. Organisations have been using these strategic planning techniques as a daily part of their enterprise lives. So, imagine this. You determine your strengths, weaknesses, opportunities, and threats (SWOT) to write your CV, land the interview, and get the job. Aren't you already on your way to helping your company determine their risk on a bigger scale?  Isn't Risk Analysis the Same as SWOT? Not exactly. While you are identifying, measuring, and analysing issues, the idea is to avoid or lessen risk. In the movie War Games, the main character decides he's going to play a game. But, neither the computer nor the main character understands the game is not a game. They have no idea what risk they've unleashed as keystrokes begin to lead to war.  Militaries use Risk Analysis regularly to determine if war should begin, estimated casualties and cost just for a start. But, in the end, it's usually decided peace keeps the world away from war after all the risk has been analysed. Though most businesses and individuals don't have the risk of war at their doorstep, there are extenuating circumstances which must be determined to avoid risk. This can be anything from natural disasters to legislation to physical requirements and locations. The SWOT technique is a tool within strategic planning as are Risk Analytics. Let's take a look at the benefits of Risk Analysis.  It can help your business improve security, manage costs, and plan for any surprises. Whether it helps you in your job search or manage your business once you're hired, a combination of SWOT and Risk Analytics can help your decision-making process shine. Done well, Risk Analysis is an important tool for managing costs associated with risks, as well as for aiding an organisation's decision-making process. SWOT your way to a Successful Job Search So, first, let's take a look at what SWOT is and isn't. This type of analysis is a tool most often found in strategic planning for organisations. But, it's not the only tool when assessing risk. Like any data profession, you'll want to gather, collect, and analyse the information before you. And when it comes to the job search, knowing yourself and your self-awareness levels may play a bigger part than you imagine. Skipping ahead to the interview from your 'foot in the door' CV and cover letter both delivered via video, of course, you begin to plan for your interview. "What are your biggest strengths and weaknesses?" your hiring manager asks. You've come well-prepared for this question because you've done your SWOT analysis. From the moment you decided your areas of expertise, your roles in organisations, and any areas you know you need to improve but can turn into a positive. You've pre-assessed your strengths, weaknesses, opportunities or obstacles, and threats. Strengths – What characteristics do you possess which gives you an advantage over your competition? Have you cross-trained across a variety of departments? Do you have a knack for telling a compelling data narrative story to help make leadership make an informed decision? Weaknesses – Where could you use more training? Are you looking for a business that offers it in-house or do you need a certification or class to give you a leg up over your competition? What puts you at a disadvantage and how would find a work around? What can you do to improve? Opportunities or Obstacles – Has your experience taught you a new way of doing things within the industry? Does your experience extend from working alone to strong member of a team? Was the team in-house or scattered around the world? How did it affect your working style and what did you learn from it? Threats – Threats may seem at odds with a job search, but…that was then. This is now. Threats are simply external forces which cause trouble in your planning. In other words, this is your risk assessment. What risks are involved and of those risks which will have less effect and which will have more on your desired outcome? Performing this technique in your personal and professional life helps you peel back the layers of you. What has your education prepared you for? Your work experience? The projects you've chosen or been assigned to? It's all leading somewhere, right? This is where you match your strengths to opportunities. Hello, dream job. If you're looking for your next role in the Data & Analytics, we may have a job for you. Take a look at our current opportunities or get in touch with one of our expert consultants to learn more.  

Conor Larkin

Conor Larkin

12. November 2020

News

Recently Viewed jobs