About the role

  • Principal Credit Risk Analyst joining TF Bank's Credit Risk Analytics team to enhance analytics capabilities. Seeking a candidate with 6-10 years experience in credit risk analytics within the financial services sector.

Responsibilities

  • Contribute to the development, daily management and enhancement of credit risk analytics capabilities
  • Own end to end strategies for some specific population segments
  • Collect, analyse, and interpret data from multiple sources including internal systems, open banking and Credit Reference Agencies (CRAs) to identify trends, patterns, and opportunities that inform credit policy, Credit limit and pricing strategies
  • Developing and maintaining statistical models, including scorecards, ML models and other credit risk assessment tools
  • Provide clear, actionable insights and recommendations to stakeholders across the business
  • Work collaboratively with colleagues in the decision sciences and analytics team, as well as other departments across different locations
  • Present complex analytical findings to both technical and non-technical audiences through clear presentations, reports, and data visualisations
  • Mentor and supervise junior analysts on model and strategy development projects, and Python model pipeline development

Requirements

  • Bachelor degree in Mathematics, Statistics, Economics, Physics, Computer Science, Engineering, or related quantitative discipline from a well-regarded university
  • 6-10 years of experience in analytics, data analysis, or lending/credit assessment within the financial services sector
  • Previous experience working for an unsecured lender, preferably on Credit card products (bank, building society, fintech, or similar credit provider)
  • Strong analytical and problem-solving abilities with excellent attention to detail
  • Proficiency in SQL for data extraction, manipulation, and analysis
  • Strong programming experience in Python (ideally for model development)
  • Understanding of statistical analysis techniques and data modelling methodologies
  • Experience in predictive modelling (logistic regression and GBM knowledge at minima)
  • Understanding of machine learning techniques applied to credit risk
  • Excellent written and verbal communication skills in English
  • Ability to translate complex data into clear, actionable business insights
  • Strong presentation skills with experience communicating to diverse audiences
  • Proven ability to work effectively in fast-paced environments whilst managing multiple priorities
  • Team player

Benefits

  • Competitive salary and benefits package
  • Opportunity to work with advanced analytics and statistical modelling techniques
  • Professional development and training opportunities
  • Collaborative, inclusive working environment
  • Flexible working arrangements
  • Career progression opportunities within our growing analytics function

Job title

Principal Credit Risk Analyst

Job type

Experience level

Lead

Salary

Not specified

Degree requirement

Bachelor's Degree

Tech skills

Location requirements

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