About the role

  • Credit Risk Analyst at Castle Trust Bank contributing to credit risk strategy and monitoring consumer lending. Collaborating across teams to enhance risk decision systems and data capabilities.

Responsibilities

  • Contribute to the credit risk approach and risk decision systems for Omni Capital
  • Monitor consumer lending, ensuring credit risk, affordability, and fraud strategies operate within the agreed risk appetite
  • Use advanced analytics and modelling to shape credit risk strategy and policy
  • Produce insightful analysis and reports, develop effective MI
  • Work closely with Technology and Data teams to enhance data capabilities
  • Support specification, implementation, and testing of credit risk strategy changes
  • Collaborate with operational teams to deliver a robust and effective approach

Requirements

  • Degree in a numerical/quantitative or finance subject/discipline – minimum 2:1 classification
  • Some demonstrable work experience in Credit Risk
  • Strong communication skills with the capability to influence a range of business stakeholders
  • Full right to work in the UK without the requirement for visa sponsorship
  • Proven experience in credit risk, with the ability to analyse, interpret, and review data and ideas
  • Ability to spot trends, outliers & anomalies in data and reports
  • Demonstrable experience in using Microsoft Office products, specifically including Microsoft Excel
  • Advantageous: experience in management information and commonly used risk metrics
  • Proficiency in programming languages such as SQL and Python
  • Experience with Microsoft Power BI and the Databricks platform, expertise in data aggregation, manipulation, and utilisation

Benefits

  • annual performance related bonus (up to 10% of base salary)
  • contributory pension scheme through Hargreaves Lansdown
  • life assurance
  • 25 days annual leave (plus bank holidays on top)
  • option to buy/sell up to 5 additional days (terms apply)
  • extra day paid annual leave for volunteers
  • private healthcare through Equipsme
  • access to BHFS Rise EAP to support health and wellbeing
  • free eye test vouchers
  • discounted gym membership
  • season ticket travel loans (if applicable)

Job title

Credit Risk Analyst

Job type

Experience level

Mid levelSenior

Salary

£37,000 per year

Degree requirement

Bachelor's Degree

Tech skills

Location requirements

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