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
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