Credit Risk Analyst in Portfolio Management

2 days ago


London, Greater London, United Kingdom Kensington Mortgages Full time
Job Title: Credit Risk Analyst in Portfolio Management

Location: Remote (We can only consider candidates based in the UK and with the right to work in the UK at this time)


Working Hours: Full Time (Monday - Friday 09:00 - 17:30)


Salary: Competitive with a fantastic range of benefits which can be found at Careers | Kensington Mortgages


Job Summary

The Credit Risk Analyst will interface and have specific interaction across the business including Portfolio Management, Lending Operations, Legal, Compliance, and Finance.


  • Using their initiative to recommend and oversee areas of change identified through data analysis of the existing model performance.
  • Design, develop, and expand the existing suite of Credit Risk reports, and introduce and implement new reports.
  • Manage specifications, implementation, and testing of strategy changes.

Key Responsibilities

Policy Management:


  • Responsible for Kensington's Affordability policy and Assessment Rate policies to ensure compliance with responsible lending considerations, Kensington Risk Appetite, and the fair treatment of customers.
  • Contribute to the development and continuous improvement to the credit policy and procedures.
  • Ensure each policy at its annual review takes into consideration risk profile improvements and productivity and includes recommendations for changes and amendments in line with market, legal, and regulatory changes.

Requirements
  • Minimum 5 years experience in an analytic role with data and portfolio analysis experience.
  • Advanced level of Excel for analysis and reporting.
  • Experience with Python and SQL.
  • Report writing and presentation.
  • Experience of working in a FCA regulatory environment.
  • Power BI.

We work hard to ensure that Kensington Mortgages is a great place to work. We recognise the difference it makes to our business when people challenge themselves and take advantage of the development opportunities available so we try and support everyone however we can.


We also recognise the fact that people seek work-life balance and continuously develop our benefits offering to create an inclusive and supportive culture where differences that exist between us all are recognised, understood, and valued.


We offer a number of benefits which can be found at Careers | Kensington Mortgages



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