Senior Credit Risk Analyst

3 days ago


Cardiff, Cardiff, United Kingdom Admiral Careers Full time
About the Role

We are seeking a highly skilled Senior Credit Risk Analyst to join our team at Admiral Careers. 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
  • Design, develop, and deploy effective decisioning rulesets and policies to produce actionable proposals and implementation plans.
  • Monitor the risk/reward profile of the portfolio using IRR/NPV models, reviewing and proposing changes to acquisition strategies.
  • Segment the portfolio by suitable risk-related variables to identify emerging trends, concentrations, and potential new risks.
  • Refine the affordability process, including improving the net disposable income model.
  • Analyze retro data to inform lending strategy, identify predictive features, and set risk grade bandings.
  • Provide waterfall views of credit rules at product level, identifying problem areas and opportunities to expand.
  • Generate key management information to support business direction setting and ensure Risk Appetite goals are met.
  • Design and deliver enhancements to credit risk strategies to achieve the right outcome for our customers.
Requirements
  • Advanced financial modeling skills, experience building and evaluating scorecards.
  • Demonstrated ability to build comprehensive reports to segment and analyze portfolio performance.
  • Experience extracting, manipulating, and reviewing data using SQL.
  • Experience using Python (Pandas, Sci-Kit Learn, NumPy) or other relevant programming language/software for data analysis and modeling.
  • Prior experience in consumer credit risk, particularly in motor lending.
  • High-quality written work.
  • Experience presenting and explaining analysis results to various audiences.
About Us

At Admiral Careers, we are a diverse business that puts our people and customers first. We offer great benefits to ensure employees have a great work-life balance, including 33 days holiday (including bank holidays) and the option to buy or sell up to five days of annual leave. We are proud to be an equal opportunities employer and do not discriminate on the basis of race, sex, national origin, gender, gender identity, sexual orientation, disability, age, or any other legally protected status.



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