Strategic Credit Risk Analyst for Motor Finance

1 month ago


Cardiff, Cardiff, United Kingdom Aldermore Bank PLC Full time
About the Opportunity

We are seeking a highly skilled Strategic Credit Risk Analyst to join our Portfolio Management team at Aldermore Bank PLC. As a key member of our team, you will play a crucial role in analysing and interpreting complex data to develop credit decisioning strategies that support business objectives.

The successful candidate will be responsible for:

  • Using portfolio metrics, financial data, KPIs, and trends to measure credit and wider business performance and inform customer-centric approaches to making credit decisions.
  • Reviewing and refining credit lending criteria to enhance risk management practices.
  • Working closely with the second line to identify emerging credit and macroeconomic risks.
  • Understanding market dynamics driving changes in vehicle valuations and making proactive adjustments in response to perceived changes.
  • Monitoring the Motor portfolio's performance at an aggregated and intermediary level, identifying and acting upon changes to key underlying assumptions.
About You

To succeed in this role, you will need:

  • A degree in a numerate subject and proven relevant work experience, coupled with knowledge of advanced statistical and analytical techniques.
  • Experience in SAS or other programming languages such as R.
  • Effective communication skills, translating technical concepts into clear language and encouraging collaboration amongst stakeholders.
  • Experience in developing credit risk application models and creating dashboards in data visualisation tools like Tableau.
What We Offer

In addition to a competitive salary, we offer a comprehensive benefits package, including:

  • Hybrid working arrangements.
  • Aviva Digital GP.
  • Bus and tram benefit.
  • Employee Assistance Programme.
  • Eye care voucher and display screens/desk set-up.
  • Flu jab vouchers.
  • Group Income Protection.
  • Life Assurance.
  • Metrolink Annual Pass and Clipper Ticket.
  • Microsoft Discounts.
  • Private Medical Insurance Shopping Discounts.
  • Toothfairy.
  • Your Workplace Pension.

This is an excellent opportunity to build your career with MotoNovo Finance, with a strong focus on professional development and growth.

Estimated Salary: £45,000 - £65,000 per annum (dependent on experience).



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