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Senior Credit Risk Analyst

2 months ago


London, United Kingdom Harnham Full time €90,000

SENIOR CREDIT RISK MODEL ANALYST
We are a dynamic and innovative online bank committed to delivering seamless banking experiences to our customers across the UK. With cutting-edge technology and a customer-centric approach, we are redefining the way banking is done, simplifying processes, and empowering our customers to take control of their financial future.
As a Credit Modelling Analyst, you will play a crucial role in shaping our risk management strategies and ensuring the financial well-being of our customers. Your expertise in statistical analysis, predictive modelling, and credit risk assessment will contribute to making informed credit decisions while maintaining a healthy and sustainable portfolio.
Develop and enhance credit risk models to assess borrower creditworthiness, utilizing statistical techniques and machine learning algorithms.
Analyze vast sets of customer data to identify patterns, trends, and potential risks, guiding the creation of actionable insights for the business.
Collaborate with cross-functional teams, including risk management, data science, and product development, to drive data-informed decisions and support business objectives.
Monitor the performance of existing credit models, ensuring they remain accurate and up-to-date in a dynamic market environment.
Participate in the development and implementation of credit policies and procedures to comply with regulatory requirements and industry best practices.
Contribute to the continual improvement of credit risk management strategies and provide strategic recommendations to optimize portfolio performance.
Stay up-to-date with industry trends, emerging technologies, and best practices to ensure our credit risk methodologies remain at the forefront of the industry.
Bachelor's degree or higher in a quantitative discipline such as Statistics, Mathematics, Economics, Finance, or related fields.
Proven experience in credit risk modelling, statistical analysis, and data-driven decision making within the financial services industry, preferably in a banking or lending environment.
Strong proficiency in programming languages such as Python, R, or SAS for data manipulation, analysis, and model development.
Familiarity with various credit risk models (e.g., logistic regression, decision trees, random forests, etc.) Solid understanding of banking products, lending principles, and credit risk management concepts.
Excellent problem-solving skills with the ability to translate complex data into actionable recommendations.
Experience with data visualization tools and databases will be an advantage.
Hybrid working in London
One of the best benefits packages on the market