Credit Analyst

Posted 12 April by MERJE Ltd Easy Apply

ROLE DETAILS

I am working with a Fin-Tech challenger bank on a Credit Analyst role. The Credit Analyst plays an instrumental role in leveraging analytics with a customer-centric vision and strategic objectives.

The Credit Analyst will work cross-functionally on a variety of business issues to deliver long-term commercial value to the business and ongoing value to the customer.

He/she supports the Risk & Pricing Director in developing credit and pricing strategies that ensure that credit losses don’t exceed industry levels and within the declared risk appetite.

KEY ACCOUNTABILITIES

  • Help develop and maintain credit risk strategies through the customer lifecycle to help with achieving credit risk objective
  • Implement credit strategies in Powercurve and other parts of the underwriting system
  • Support testing and reviews of underwriting systems
  • Help develop and maintain customer lifetime value models to allow the development of commercially viable product propositions and strategies
  • Assess, analyse and respond to key strategic issues that may impact product profitability or customer benefits
  • Mine internal and external data using latest data mining tools such as SQL, R or Python.
  • Experience of working with statistical models e.g. logistical regression, Churn analysis, Decision tree, Survival analysis.
  • Produce analytical reports to monitor risk performance and commercial performance
  • Maintain feedback loop between forecast and actuals as well as spot unexpected trends and dive into potential issues
  • Work across functions to sign off strategy changes and oversee implementation
  • Develop effective relationships with internal and external partners including Product, Credit risk, Finance, Compliance, and Legal.
  • Help maintain and develop impairment calculation methodology (PD, EAD, LGD) and help towards management of impairment line

CAPABILITIES AND KNOWLEDGE

  • Daily use of Excel
  • Knowledge of data-mining tools - SQL, SAS, R, Python, etc, to pull relevant data. Liaise with the Infrastructure team to ensure data warehouse requirements are appropriate.
  • Own the Product Designers (Net Present Value modelling))
  • Understanding of Bureau data and implementation into Strategy Design Studio (SDS); or other acquisition or ECM decision tool

Required skills

  • Credit Risk
  • Risk
  • Risk Management
  • Risk Analytics

Reference: 34559635

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