Senior Credit Risk Analyst

5 months ago

Liverpool, United Kingdom The Very Group Full time

Internal use only - Grade F

About us

We are The Very Group and we’re here to help families get more out of life. We know that our customers work hard for their families and have a lot to balance in their busy lives. That’s why we combine amazing brands and products with flexible payment options on Very.co.uk to help them say yes to the things they love. We’re just as passionate about helping our people get more out of life too; building careers with real growth, a sense of purpose, belonging and well-being.

About the team

You will work in the Analytical & Scoring Model Review team within Credit Risk which is a team of 11 (Credit Risk department consists of c.70 FTE), working on multiple priorities within a fast-paced, dynamic environment. Our team carry out work across Credit Risk including scoring model reviews, peer reviews of key pieces of analysis, and intelligence analysis amongst much more.  In addition, we carry out ad hoc analysis into areas of particular interest.

About the role

As a Senior Credit Risk Analyst working on model review you will be helping us ensure that our models are robust and accurate, making best use of the increasing amount of data available to make more informed credit lending decisions for our customers and Financial Services business, ultimately creating value for The Very Group. 

Reporting to the Head of Analytical and Scoring Model Review, you will work with the business to review all aspects of key credit risk model developments. Help us build models that will make the right decisions at the right times. Whether it’s reviewing the development sample, characteristic analysis or modelling methodology, you’ll be expected to provide insight and recommendations, communicating these in a compelling, impactful way to senior stakeholders. 

You’ll work on multiple priorities within a fast paced, dynamic environment. You’ll need to be able to manage the expectations of stakeholders alongside prioritising your workload. You will also play your part to meet the broader needs of the business and deliver a world class, personalised experience for our customer. 

You’ll be surrounded by the best talent across Financial Services and the wider group – working collaboratively to fulfil the ambitions of the business and the Credit Risk team. 

Critical decisions are made here every day and acted upon immediately – giving you every chance to make a real impact, make decisions and quickly see the results. 

About you

You’re curious, analytical and logical by nature with a keen eye for detail. You have a degree in a numerate discipline, are highly proficient with SQL or SAS with advanced Microsoft Excel skills too. Experience of credit model development is essential.  

We’re also interested in your softer skills - your ability to coach and develop other analysts, work with challenging stakeholders along with the ability to solve complex problems and relay solutions in a simple, clear and concise way. 

Working at pace with competing and changing priorities doesn’t faze you - you thrive in that type of environment, you’re not afraid to challenge the status quo. 

Customer outcome focussed and commercially aware with the ability to present your findings into actionable business recommendations, you’re comfortable in dealing with stakeholders at all levels. 

There is very little hierarchy here and if you were to join us, you would be expected to have a voice and the confidence to use it. 

The teams here are passionate, innovative and committed. We expect you to be the same. 

Some of our benefits
  • Inclusive culture and environment, check out our Glassdoor reviews
  • £1,000 flexible benefits allowance to suit your needs
  • 30 days holiday + bank holidays
  • Udemy learning access
  • Bonus potential (performance and business-related)
  • Up to 25% discount on Very.co.uk
  • Matched pension up to 6%
  • More benefits can be found on our career site

How to apply

Please note that the talent acquisition team are managing this vacancy directly, and if successful in securing this role, you will be required to undertake a credit, CIFAS, Right to Work checks and if a specific requirement of your role a DBS (criminal records) check. Should your application progress we require you to let the team know if there is anything you need to disclose in relation to any of these checks prior to them being undertaken, including any unspent criminal convictions.

What happens next?

Our talent acquisition team will be in touch if you’re successful so keep an eye on your emails We’ll arrange a short call to learn more about you, as well as answer any questions you have. If it feels like we’re a good match, we’ll share your CV with the hiring manager to review. Our interview process is tailored to each role and can be in-person or held remotely.

You can expect a two-stage interview process for this position:

1st stage - An informal 45-minute video call with the hiring team to discuss your skills and relevant experience. This is a great opportunity to find out more about the role and to ask any questions you may have.

2nd Stage – A one-hour formal interview where you can expect both competency and technical questions. This can be held either in-person or remotely.

As an inclusive employer please do let us know if you require any reasonable adjustments.

If you'd like to know more about our interviews, you can find out here.

Equal opportunities

We’re an equal opportunity employer and value diversity at our company. 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.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

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