Senior Credit Risk Analyst

7 days ago


Solihull, Solihull, United Kingdom BNP Paribas Personal Finance Full time

Job Title:
Senior Credit Risk Analyst Location : Solihull – Hybrid (2 days a week in the office)

Hours :
Full time, Permanent
______________________________________________

At BNP Paribas Personal Finance, we're part of a global bank and are proud to be a Top Employer UK for 2024, providing a great place to work in an open and inclusive environment.

We're here to provide simple and straightforward consumer finance solutions and we work with many well-known retailers and brands to help their customers finance their purchases in a responsible way.

We care about making a positive impact for our colleagues, customers, partners and the wider community.

As a Senior Risk Analyst at BNP Paribas Personal Finance UK, you will be a key member of the Risk Analytics team, providing analytical insight into customer behaviour in order to shape and optimise credit strategy across all of our UK credit products.

With access to a wide range of internal and external data sources such as CRA information, several aspects of credit risk will be explored, including the development and validation of scorecards, policy rules, pricing, limits management and affordability models, whilst ensuring regulatory compliance.

You will have the opportunity to collaborate with colleagues across the business on diverse projects to achieve sustainable growth across our business lines.

You will build product knowledge whilst ensuring effective performance monitoring is in place, proactively identifying and highlighting emerging trends, investigating alerts and developing appropriate solutions to improve business performance.

You may be responsible for supervising junior analysts, prioritising their workload, encouraging knowledge sharing and ensuring outputs produced are accurate and of a high standard.

Ensuring that lending follows the correct standards of the business, whilst treating customers fairly, you will support the BNP Paribas group strategic plan to accelerate growth, technology and sustainability.

Develop and monitor risk strategies which maximise revenue whilst minimising bad debt on new and existing business lines.

Build and maintain relationships with Central Risk, Finance, Marketing and external teams, whilst delivering new lending strategies within the agreed risk appetite.

Plan, control and deliver assigned projects, and participate as appropriate in cross functional projects and investigations, ensuring requirements are delivered to plan.

Ensure key risk management information is in place in order to support business direction within agreed risk appetite.

Identify areas of cost reduction, service and process improvements that will results in adding value to the business whilst treating customers fairly.

Perform a health check of all credit portfolios against internal and external benchmarks, summarising performance of credit risk strategies, emerging trends and issues for monthly committees.

Conduct in-depth exploratory analysis on different client segments and portfolios, assessing KPI's and ensuring outputs produced are accurate and of a high standard.

Liaise with Operational teams to ensure that policies and procedures are being complied with in an efficient manner.
Credit Bureau on any current or future initiatives.
Liaise with all levels of seniority across the business.
Keep abreast of new developments and regulatory issues.

Educated to Degree level or higher in a quantitative field.
experience in using at least one of the following programming languages; SAS, SQL or Python.
experience in Microsoft Excel.
credit life cycle, credit bureau, financial products, economic conditions.
ideas to challenge existing business practices.
with business needs.
planning and managing projects.
Train junior analysts if required.

BNP Paribas Personal Finance believe it's a positive attitude and passion to make things happen that matters most.

We offer a competitive salary, a contributory pension scheme, and our Health Cash plan scheme.

You also receive access to our multi-award-winning flexible benefits platform designed to provide you with the best range of benefits available to suit your lifestyle including life insurance and private medical insurance.

There are also perks which give you fantastic discounts off eating out, cinema tickets, days out and much more.

Learn more about what it means to be part of the BNP Paribas Personal Finance team here:

or follow this link to learn more about careers at BNP Paribas Personal Finance:
.

BNP Paribas Personal Finance promotes equality of opportunity and is committed to ensure that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation.



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