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
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