Senior Credit Risk Analyst

At Frasers Group we're rethinking retail. Through digital innovation and unique customer experiences, we're serving our consumers with the world's best sports, premium and luxury brands globally. As a leader in the industry, we're elevating the retail experience for our consumers providing flexible and convenient ways to pay across our collection of established brands, including Studio, Sports Direct, FLANNELS, USC, Frasers, and GAMEFrasers Group Financial Services is the next chapter of elevation for the Frasers Group. We fear less and do more. Our people are forward thinkers who are driven to operate outside of their comfort zone to change the future of retail, embracing challenges along the way. The potential to elevate your career is massive, the experience unrivalled.Why join us?Our purpose – we are elevating the lives of the many with access to the world's best brands and experiencesFrasers Group Financial Services is committed to delivering a positive colleague experience and to be able to make the most of it you need to immerse yourself into delivering on our principles:Think without limits - Think fast, think fearlessly, and take the team with youOwn it and back yourself - Own the basics, own your role and own the resultsBe relevant - Relevant to our people, our partners and the planetJob DescriptionAt Frasers Group Financial Services, we are constantly evolving & transforming, and we now have an exciting and rewarding opportunity for an experienced Senior Credit Risk Analyst to develop and monitor Credit Risk and Impairment models, coaching and mentoring Analysts, identifying and maximising opportunities to improve model performance, contributing to the delivery of FS goals and objectives.As a Senior Credit Risk Analyst at FGFS, you will:Work collaboratively with the analytics manager and impairment team to develop and monitor the Credit Risk and Impairment modelsAnalyse model movements, segmenting to understand trends, and make recommendations to maximise performancePlay a key role in providing MI and insightful commentary based on model evaluation and impact assessments to drive continuous improvementCommunicate analysis/findings and monthly monitoring effectively to manager, team and senior stakeholdersDisplay strong attention to detailProvide effective coaching and mentoring of Analysts, building capabilities to support objectives and ensure all areas of governance, risk and compliance standards are adhered toChallenge current approaches, always seeking to improveAdhere to all governance, risk and compliance standards, ensuring models deliver the best outcomes for customers and the businessIdentify, build and maintain key internal and external stakeholder relationships to deliver the agreed commercial performanceQualificationsExperience of working within the retail, financial services sectorExtensive experience of credit risk or impairment model development and/or monitoringAdvanced knowledge in writing and reviewing SQL and Python/SAS code to analyse dataExtensive experience of working and delivering in a regulated environmentExcellent working knowledge of financial standards and guidelines e.g. FCA, TCF, Data ProtectionExperience coaching and developing the performance of othersDelivery and customer focussedAbility to plan and prioritise effectively to meet changing priorities and demandsExcellent communication and engagement skillsProven track record in effective facilitation and communication at multiple levelsCommercially astuteAbility to engage and influence stakeholders at an appropriate levelAnalytical, pragmatic and systematic approach to problem solvingAbility to manage conflict and know when to escalateIT literateAdditional InformationAs FGFS is within a regulated environment any offer is subject to satisfactory background checks including criminal record check, credit check, and employment references.Along with your benefits package we also offer a wide range of perks for our colleagues:Reward, Recognition and OpportunitiesFrasers Champion- Our employees are at the heart of our business and we ensure individuals are recognised every single month for their hard work. Frasers Champion is a peer nominated scheme where 8 winners will receive double their pay for a month where they have thought without limits, owned it or been relevant.Frasers Festival – An event like no other Frasers Festival is our celebration for Head Office and Retail Staff across the UK and Europe – hosting a MEGA brand village, guest speakers from the world's biggest brands, evening entertainment, the ultimate Frasers Fearless Fitness Challenge and much more.CEO Sessions – Once a quarter we offer 20 employees the opportunity to attend our "CEO Sessions" ran by our CEO and leadership team. Employees have the chance to connect, network and submit questions around specific topics such as our Sports or Luxury business.Retail Reconnect – In order to build the planets most admired and compelling brand ecosystem, all employees must understand our business, product and customers. Each financial year, Head Office employees will gain insights by spending two days in one of our stores or the Warehouse. The goal is to learn how the work you do impacts our teams on the frontline, and to bring ideas back to the office which will improve how we work.Employee WelfareFrasers Fit – Our Everlast Gyms Team are on a mission to make our workforce the best, and fittest on the planet We run free gym classes for employees as well as discounted memberships to our clubs. Frasers Fit is our wellbeing programme which aims to support and improve colleagues Physical, Financial & Mental wellbeing. The app is accessible for every employee and includes training, nutrition and lifestyle advice- all completely free.Retail Trust – We know that its not just about physical health, mental wellness is equally important which is why all of our employees get free access and support from the Retail Trust charity. This includes a 24 hour wellbeing helpline, wellness hub, counselling and financial/legal support.What's next?Our Recruitment Team will be reviewing applications and all candidates will receive a response, whether you are successful or unsuccessful. Shortlisted applicants may be asked to confirm a few key details before being booked in for a first stage interview with the Recruiter- this will be behaviourally focussed and centred around how you align with our Culture and Values. If successful we anticipate two further interview stages with the Hiring Manager/wider team which will be more technically focussed and could include a presentation/task so we can see your skills in action.