Lead Credit Risk Analyst

3 weeks ago

Leeds, Leeds, United Kingdom Yorkshire Building Society Full time

Lead Credit Risk Analyst - Full-time

The Credit Risk division plays a crucial role within the Conduct and Credit Risk framework at Yorkshire Building Society. We take pride in our collaborative approach, working closely with various departments including Trading, New Product Development, Direct and Intermediary Distribution, Finance, and Collections & Recoveries. Our goal is to effectively identify, mitigate, and manage conduct, credit, and operational risks, ensuring a positive experience for our customers while fostering sustainable growth and performance for our members. Ultimately, the Conduct and Credit Risk division enables Yorkshire Building Society to provide genuine assistance in a safe and responsible manner.

Role Overview

As a Lead Credit Risk Analyst, you will be an essential member of our team, utilizing your expertise in Credit Risk to support Yorkshire Building Society in achieving its objectives. You will have the opportunity to engage in a variety of stimulating projects and initiatives. Your responsibilities may include:

  • Overseeing the effectiveness of key credit risk controls, such as lending policies, affordability assessments, and scorecards. You will proactively identify potential risks and opportunities to ensure these controls remain robust and suitable, for instance, collaborating with Mortgage Trading to implement changes that maintain compliance with regulatory limits on higher-risk lending.
  • Facilitating the growth ambitions of Yorkshire Building Society while ensuring responsible lending practices. You will collaborate with other business areas to secure approvals for strategic modifications to our lending policies that support business expansion while managing credit risks effectively.
  • Conducting thorough analyses of portfolio and customer data. You will develop a comprehensive understanding of the internal and external data available across the society, extracting insights to inform risk exposures and assurance levels within our retail lending portfolio.
  • Producing high-quality, insightful credit risk analytics. You will be responsible for generating credit risk analytics that provide valuable insights and can guide strategic decision-making.
  • Providing support to colleagues. You will leverage your expertise to assist team members and other departments with inquiries related to lending policies.

Candidate Profile

  • Demonstrated experience in Credit Risk or similar analytical roles.
  • Proficient in data manipulation, with expertise in SAS (or comparable statistical software), SQL, and Microsoft Excel.
  • Familiarity with the retail mortgage sector is advantageous, though experience in other financial services is also acceptable.
  • Exceptional analytical and problem-solving abilities, with a talent for identifying trends or concerns within data.
  • A mindset focused on continuous improvement, always seeking ways to enhance processes.
  • Strong communication skills, capable of presenting findings and influencing stakeholders at a senior level.

About Yorkshire Building Society

At Yorkshire Building Society, we prioritize our members over shareholders. We value people, including you. Here, you will be respected for your individuality, able to bring your authentic self to work, and equipped with the resources necessary to build a fulfilling and successful career.

Flexibility We offer a variety of flexible working arrangements that promote a healthy work-life balance. Whether you need to adjust your hours for personal commitments or integrate your studies and hobbies into your work schedule, we are here to support you. We encourage discussions about flexible working options throughout the recruitment process.

Development We are committed to your professional growth. Whatever your aspirations, we aim to help you enhance your skills and advance in your career. From day one, you will receive comprehensive training and support to ensure your success.

Inclusivity We are dedicated to fostering an inclusive environment where everyone feels welcome and valued. If you are willing to go the extra mile to assist our members, you will find a sense of belonging here.

Benefits

We offer a range of attractive rewards that you can enjoy both in and out of the workplace, including:

  • Holiday: Enjoy 25 days of annual leave plus Bank Holidays, with the option to purchase up to an additional 5 days.
  • Bonus: We work collaboratively to achieve our goals, and when we succeed, everyone shares in the rewards, with the potential for up to a 10% annual bonus.
  • Pension: We recognize the importance of saving for the future, which is why we contribute up to 11% to your Yorkshire Building Society pension.
  • Healthcare: Your health and well-being are vital to us. Upon joining, you will have access to a variety of health benefits tailored to your needs, including private medical insurance, dental, and healthcare plans.
  • My Benefits: As a member of Yorkshire Building Society, you will have access to our self-service benefits portal, offering a range of discounts in retail, hospitality, and health.

Ready to learn more?

If you are interested in this opportunity and wish to be part of the Yorkshire Building Society team, we encourage you to explore further.

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