Credit Risk Modeller
London
£40,000 – £63,000

A varied role focusing mostly on Credit Risk Model development in the retail banking space. Use SAS to develop regulatory models with a focus on PD, LGD, EAD (for IFRS9 and IRB) as well as Stress testing. Work with a variety of different data sources and provide hands-on Credit Risk Modelling solutions at an established bank!

THE COMPANY:

A large but flat-structured bank with excellent financial performance seeking to further grow its Credit Risk Modelling team.

THE ROLE:

• Development of Credit Risk Models (using SAS, Python, R) within the consumer banking space
• Development, optimisation and validation of PD, LGD, EAD models for IFRS9 and IRB purposes
• Deliver own analysis and modelling projects and work with others in the team to deliver larger projects as required

YOUR SKILLS AND EXPERIENCE:

• Experience developing Credit Risk Models using SAS, Python or R
• Experience developing PD, LGD, EAD models
• Numerate degree from a recognised university
• Strong communication skills and ability to communicate to non-technical audiences

BENEFITS

• Exposure to a variety of businesses and stakeholders
• From scratch model development
• Explore machine learning techniques
• Up to £63,000 + 10% bonus

KEYWORDS:

Credit Risk, SAS, Modelling, Scorecards, Basel II, IRB, PD, LGD, EAD, Portfolio Management, Strategy, Collections Strategy, ICAAP, Stress testing, IFRS9, Pillar 2, CESM, TRIM

Fraud Data Scientist

London or Midlands

Hybrid

Up to £50,000

The Company

An opportunity to work at one of the biggest banks in the UK that are implementing next-generation software to help with fraud prevention using SAS, SQL, and/or Python. This is an amazing chance to help take your career to the next level and work on industry-leading projects.

The Role

As a Fraud Data Scientist, you will be:

• Working within a team to develop fraud prevention models.
• Running rules and testing the models to enhance their ability to spot fraud trends.
• Helping drive strategic and tactical changes.
• Communicating between the stakeholders to help drive improvements to the systems and improve the model efficiency.

Your skills and experience

For you to be successful as a Fraud Data Scientist, you will need:

• Strong ability to use SAS, SQL, or Python
• A fraud analytics background
• Experience developing fraud models
• A numeric degree
• Experience as a fraud data scientist

Benefits

Up to £50,000 + competitive benefits

HOW TO APPLY

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

Credit Risk Impairment Manager
London
Up to £75,000

A fast-growing established London lender is seeking a Credit Risk Manager with experience working with IFRS9 models or impairment to lead their impairment analysis function. If you are a daily SAS or Python user, with good IFRS9 knowledge who enjoys end-to-end ownership over projects and presenting the results to stakeholders this could be a great role for you. The role offers a step into management with leadership over an analyst

The company enjoys a unique office culture.. High-paced and challenging yet informal with little red tape. The role will suit a self-starter who likes the Analytical elements as well as the Financial side. A new role in a growing, you will play a key role in optimising Impairment and minimising Credit Losses through analysis of the capital numbers.

THE ROLE:

• Produce Provision and Impairment forecasts for quarterlies, budgets etc
• Compile and produce management reports with relation to Provisions and Impairment Forecasts
• Drive understanding of impairment movement levers which will in turn inform the improvement of the IFRS9 based impairment methodology
• Develop stress testing models for internal and regulatory purposes
• Monitor and report on expected loss models
• Deep dive into forecasting numbers and perform trend analysis to understand the Impairment and Provisioning data and produce insights on same
• Extensive stakeholder engagement duties including communicating 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
• Strong SAS or other programming skills required
• Experience working in an impairment role or developing IFRS9 models is required

BENEFITS:

• Up to £75,000
• 20% bonus
• No red tape environment with freedom to own projects from start to finish
• Growing company with great progression prospects

HOW TO APPLY:

Use the apply feature on this page!!

KEYWORDS:

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

Head of Collections Strategy
London
Up to £100,000 + Equity

You’ll be accountable for the Collections Strategy at a fast-paced fin-tech lender. There is little red tape here so it’s the chance to come in and have a big impact! You will lead a small team using data to optimise Collections and Recoveries strategies and processes.

THE COMPANY

An innovative digital lender is looking for an experienced collections strategy specialist to manage its Collections strategy and everything from pre-arrears to collections and recoveries to debt sale.

THE ROLE:

• Lead a small team of collections strategy analysts
• Design and deliver world-class collections processes based on data analysis
• Lead the development of the collections strategy and policy
• Monitor the performance of the collections strategy
• Communicating the collections strategy and gaining buy-in from stakeholders across the business
• Use SQL (and SAS or Python) to analyse customer data and drive insight for strategy optimisation and customer satisfaction

YOUR SKILLS AND EXPERIENCE:

• Educated to degree level (2.1 minimum) from a Russell Group University preferred
  
• Strong A-levels in numerate disciplines would be another nice to have
• Experience driving strategy development and changes in Collections in essential
• Experience working in an analytical role in Collections and Recoveries
• Strong stakeholder and communication skills
• Competent with SQL, Python, SAS or similar
• Ability to manipulate and analyse large sets of customer and/or third-party data

BENEFITS:

• Join an ambitious company with a top-grade analytics function
• Laid-back environment with flexible working options
• Up to £100,000 with 20% bonus

KEYWORDS:

Credit Risk Analyst, Strategy, Portfolio, Python, R, SAS, SQL, Credit Card, Collections, Analysis, SAS, Insights, Policy, Loans, Portfolio Analytics, Recoveries

SENIOR IMPAIRMENT ANALYST

£60,000

WEST MIDLANDS

THE COMPANY

This company are a personal and collaborative business who are very well established. This role has the unique opportunity to lead their impairment function and act as an SME for the business, working closely with senior stakeholders and C-suite members on interesting and unique lending across their books.

THE ROLE

This position will see you act as an SME for the impairment models across the business:

• Lead monitoring of impairment models and the enhancement, validation and re-calibration of these models
• Work across the business more broadly on governance, controls, and reporting for these models
• Have a broad understanding of impairment impacts across the business and products
• Broader day-to-day management of impairment models across the bank
• Perform ad-hoc analysis as required and assist with interesting lending questions

YOUR SKILLS AND EXPERIENCE

This company is seeking someone with:

• Good knowledge and experience using R
• Desirable to have experience using SQL
• Prior experience in working with impairment models and reporting
• Experience in consumer lending or retail banking

SALARY AND BENEFITS

• Up to £60,000 base salary
• Pension contribution scheme
• Discretionary bonus
• Hybrid work model
• Private medical cover

HOW TO APPLY

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

DECISIONS SYSTEMS ANALYST

£60,000 (LOCATION DEPENDANT)

LONDON/LEEDS

THE COMPANY

This company is a leader in the finance space, offering a broad range of credit products to its customers and partnering with a number of well-known brands. This award-winning business is forging a new path in consumer finance and this is an exciting opportunity to be part of an innovative and growing team.

THE ROLE

This role will see you focus on decisions systems across a range of products, involving:

• Configuring systems and models within the bank
• Programming decision systems across product applications and decisions
• Testing these decision systems to ensure profitability and drive business performance
• Contributing to wider ad hoc analysis across the business
• Chance to use Provenir across your work

YOUR SKILLS AND EXPERIENCE

• Knowledge of and experience using SAS, Blaze, Triad, Powercurve or similar
• Prior experience in decision systems
• Strong communication and presentation skills
• Educated to at least degree level in a numerate degree

SALARY AND BENEFITS

• Up to £60,000 base salary
• Hybrid work model
• Pension contribution scheme
• Discretionary bonus
• Broad benefits scheme including private medical cover

HOW TO APPLY

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

SENIOR CREDIT RISK ANALYST

UP TO £65,000

BIRMINGHAM

I’ve partnered with a data-driven lender who is looking for a Senior Credit Risk Analyst to join their restructured business. You will get more chances to work across a variety of products and interesting ECL models.

THE COMPANY:

The business is well-renowned for being a collaborative force within the lending space. With a great work-life balance, this is also a great role for someone looking to take a step up in their career.

THE ROLE:

As a Senior Credit Risk Analyst, you’ll be involved in the following:

• Get full oversight of the firm’s ECL models
• Lead the monthly monitoring of all of their models
• Work across a fascinating mortgage and lending portfolio
• Take advantage of the company’s exciting new restructure
• Look at their wider lending portfolio

YOUR SKILLS AND EXPERIENCE:

The successful Senior Credit Risk Analyst will have the following skills and experience:

• Strong R skills
• SQL background
• Lots of exposure to impairment models
• Understanding of model outputs
• Excellent communication skills

THE BENEFITS:

You will receive the following benefits:

• Flexible working environment
• Get exposure to a variety of models
• Work with a team of caring individuals
• Take advantage of an excellent work/life balance

HOW TO APPLY:

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

Specialist in Transactional Fraud

Up to £49,000

Hybrid

London

This is an amazing opportunity to develop and apply your fraud knowledge and fraud analytics skills to a role at a top financial services company to help drive down fraud rates. You will be working on next-generation software within the role.

The Role

As a Specialist in Transactional Fraud, you will be:

• Spotting new fraud trends across fraud systems
• Developing new fraud strategies to mitigate fraud
• Test the effectiveness of current fraud prevention models
• Working alongside both internal and external partners
• Create new ways to stop and prevent fraud using your analytical skills

Your skills and experience

To be successful as a Specialist in Transactional Fraud, you will need:

• Working experience using SQL and Python
• Strong ability to use all of Microsoft Office software
• 2 + years working within fraud analytics
• An analytical mindset
• Numeric Degree from a top university
• Experience using Tableau or Power BI

Benefits

Up to £549,000 + comprehensive benefits package

HOW TO APPLY

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

CREDIT INSIGHT ANALYST

£35,000-£45,000

LONDON

Do you want to work for a company that prides itself on its positive presence in the commercial lending space? As a Credit Insight Analyst, you will play an integral part in helping the business become more efficient and proactive in its collection strategies.

THE COMPANY:

With the major financial backing from a funding house, you will be working for a firm that is growing on an incredible trajectory year by year. As a Credit Insight Analyst, you will work under the guidance of one of the only data-driven credit management companies

THE ROLE:

As a Credit Insight Analyst, you will:

• Use SQL to focus on their black book analysis
• Optimise collection strategies and third-party data
• Help the company become more efficient in their purchasing and collection strategies
• Develop new customer contact strategies alongside their decision scientists
• Deliver insights into forecasts and the development of MI that is undertaken

SKILLS AND EXPERIENCE:

The successful Credit Insight Analyst will have the following skills and experience:

• Minimum 2:1 university degree in a numerate subject
• Bigger picture players with a commercial mindset and strategic outlook
• Proficient in using SAS, SQL, Python, or R on a day-to-day basis
• Must have come from a debt/credit risk background
• Able to build relationships with stakeholders and senior figures in the company

BENEFITS:

The successful Credit Insight Analyst will receive the following benefits:

• £35,000-£45,000
• 25+ days holiday
• Flexible working environment
• Private medical insurance
• Discounted gym membership

HOW TO APPLY:

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