Senior Credit Risk Analyst

3 weeks ago


Manchester, United Kingdom N Brown Full time

Job Title: Senior Credit Risk Analyst

About the Role:

We are seeking a highly skilled Senior Credit Risk Analyst to join our Financial Services Domain. As a key member of the Credit Risk team, you will play a crucial role in supporting the development of the lending strategy to drive long-term, sustainable profit from our Financial Services offering.

Key Responsibilities:

  • Undertake complex ad-hoc analysis, providing conclusions and recommendations to support the Credit Risk team
  • Provide support in the planning, testing and implementation of strategy changes within the credit risk decision engine
  • Responsible for the development of new monitoring, as well as the accurate and timely production of regular MI, including insight into these reports for senior management
  • Create and undertake analysis to monitor the groups lending strategies and risk decision systems to ensure these are working as expected
  • Representing the Credit Risk team across cross-functional projects
  • Responsible for the production of the Financial Services key metrics and Credit Risk Key Risk Indicators and how changes in these can affect N Brown performance
  • Build effective collaborations with other Credit Risk Managers and Analysts to ensure KRIs are suitable measure current risks.
  • Provide support with the month-end IFRS9 process, to investigate any changes in customer behaviour impacting inputs or outputs to the model

Requirements:

  • Highly analytical with strong technical skills
  • Degree level educated, ideally in a numerate discipline
  • Previous experience of working as an analyst in a Credit Risk team
  • Self-Motivated and reliable
  • Strong communication skills
  • Accurate with a high attention to detail
  • Logical thinker
  • Advanced SQL and/or SAS skills are essential
  • Advanced user of Microsoft excel
  • Ability to collaborate effectively by building good business relationships with your peers across the business

What's in it for you?

  • Hybrid working
  • 24 days holiday (+ 8 bank holidays) with the option to buy an additional 10 days
  • Annual bonus scheme
  • Enhanced maternity and adoption leave
  • Access to Apricity, a self-funding IVF benefit at a reduced rate
  • Company pension with up to 8% N Brown contribution
  • Mental Health support both internally and externally, including access to our wellbeing champions and counselling services
  • A range of financial wellbeing support
  • Colleague discount across all N Brown brands
  • Onsite café with subsidised rates and local restaurant discounts
  • Life Assurance and Private Medical Insurance
  • Paid volunteer time – all our colleagues can take a full day paid to volunteer for a charity of their choice

About N Brown:

N Brown is a forward-thinking digital retailer with a financial services proposition to be proud of. We're customer-obsessed, serving them through three core brands: JD Williams, Simply Be, and Jacamo. We're experienced, with over 160 years of trading under our belt. We're inclusive, as we believe in fashion without boundaries; and we're sustainable, striving to make as little impact on the planet as possible.

We're an equal opportunity employer and value diversity. We do not discriminate based on race, religion, colour, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.



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