Senior Credit Risk Analyst

1 day ago


Cardiff, Cardiff, United Kingdom Admiral Careers Full time
Senior Credit Risk Analyst

Admiral Careers is seeking a highly skilled Senior Credit Risk Analyst to join our team. As a key member of our Motor Finance department, you will be responsible for leading credit risk and pricing analytics for our motor lending product.

Key Responsibilities:

  • Develop and deploy effective decisioning rulesets and policies to ensure optimal risk management.
  • Monitor the risk/reward profile of the portfolio and propose changes to acquisition strategies.
  • Segment the portfolio by risk-related variables to identify emerging trends and concentrations.
  • Refine the affordability process and improve the net disposable income model.
  • Analyze retro data to inform lending strategy and identify predictive features.
  • Provide key management information to support business direction setting and ensure Risk Appetite goals are met.

Requirements:

  • Advanced financial modelling skills and experience building and evaluating scorecards.
  • Demonstrated ability to build comprehensive reports to segment and analyze portfolio performance.
  • Experience with SQL and Python (Pandas, Sci-Kit Learn, NumPy) or other relevant programming languages for data analysis and modelling.
  • Prior experience in consumer credit risk, particularly in motor lending.
  • High-quality written work and experience presenting results to various audiences.

About Admiral Careers:

We are a diverse business that puts our people and customers first. We offer great benefits to ensure a great work-life balance, including 33 days holiday (increasing with length of service) and the option to buy or sell up to five days of annual leave.



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