Credit Risk Analyst

Posted 3 days ago by ATHENA RECRUITMENT LIMITED
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The Credit Risk Analyst, Acquisition will play a leading role in using data driven insights to develop, implement and optimise Acquisition and Fraud strategies for an industry leading motor finance portfolio.

This is a new role in the recently established Credit Risk team with regular interaction and guidance from the Chief Credit Officer. We are looking for a strong, ambitious analyst with some data mining and analytical experience, but not necessarily relating to acquisition strategies, who embraces the challenge of being part of the journey to grow a relatively new analytics function. With the right training and coaching, they will be given the excellent opportunity to define and shape acquisition strategy management in a progressive, agile and growing lender, and develop their own understanding of acquisition strategy management. Exposure to executive management is guaranteed, as is the chance to make a real impact on the commercial decision-making process and the opportunity to gain swift professional development.

Role and responsibilities:

  • Provide support to Senior Credit Risk Analyst on design, monitoring and enhancing of acquisition and fraud strategies, and provide analytical insight on new business performance
  • Support with setting score cut-off strategies and policy rules to drive loss performance in line with agreed business objectives and achieve positive customer outcomes
  • Support deep-dive analytics (cohort analysis, pre-post analysis, segmentation and ad-hoc analysis) to drive actionable insights and recommendations
  • Provide insight into portfolio and segment trends through targeted analysis, forecasting and the development of regular MI
  • Develop a good understanding products, policies and processes and translate business questions and problems into actionable insights via data extraction and analysis
  • Support business and finance partners to develop new products and processes, that result in positive customer outcomes and achieve business objectives
  • Monitor the lending portfolio for any material trends or potential opportunities

Qualifications, Skills & Experience Required:

Essential

  • Degree qualified in a numerical discipline
  • Experience using SAS or SQL or equivalent (SAS preferred)
  • Excellent numerical, statistical and analytical skills
  • Strong Microsoft Office skills e.g. excel, word, power point and access
  • Strong communication skills
  • Experience of working to a high level of detail and accuracy

Desirable

  • Experience in a Strategic or Portfolio Analytical role
  • Experience within a Credit Risk role is highly desirable, however, analytical experience within other environments or disciplines would be considered
  • Strong stakeholder management skills

Reference: 37264400

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