Lead Credit Risk Analyst

1 day ago

Glasgow, Glasgow City, United Kingdom Harnham Full time
Lead Credit Risk Analyst (SME Lending)

This is an exciting opportunity to join a leading UK banking fin-tech as a Lead Credit Risk Analyst. You will be responsible for the credit strategy across all business lending products.

The Company

This company is a leading UK banking fin-tech offering an array of lending products, and financial education. This is an exciting time to join the business as they have constant growth projections and are looking to launch new products.

The Role

You will be doing the following daily:

  • Developing and implementing credit and pricing strategies for business lending products.
  • Monitoring and optimising the performance of current strategies.
  • Supporting the design, launch, and enhancement of new products and customer experiences.
  • Driving initiatives to improve credit underwriting, accelerate growth, and manage portfolio risk.
  • Collaborating with teams across engineering, marketing, product, risk, and control to design and deliver strategic initiatives.
  • Developing and overseeing credit models to project cash flows and evaluate the net present value of new lending cohorts.
  • Assisting in the creation and deployment of new lending strategies by analysing data patterns and translating them into actionable insights.
  • Building, maintaining, and managing database tables and dashboards to provide insights and enable rapid, data-driven decision-making.
  • Evaluating the performance of lending portfolios for specific products over time.

Your Skills and Experience

  • Previous experience working in business lending.
  • Strong understanding of credit risk from acquisitions to collections.
  • Experience developing and deploying strategies and credit risk models.
  • Excellent analytical capabilities: SQL is essential, and Python/Looker is desirable.
  • Excellent written and verbal communication skills.
  • Strong understanding of UK lending regulations.

The Benefits

  • Up to £85,000 salary.
  • Stock options and benefits.
  • Flexible working hours.
  • Learning budget of £1,000.
  • Pension scheme.
  • Fully remote work from anywhere in the UK.

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