About the role

  • Principal Credit Risk Analyst contributing to the credit risk analytics team at TF Bank. Focusing on statistical modelling for the UK lending landscape and mentoring junior analysts.

Responsibilities

  • Contribute to the development, daily management and enhancement of our 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)
  • Develop and maintain 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
  • Present complex analytical findings to both technical and non-technical audiences
  • Mentor and supervise junior analysts on model and strategy development projects

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
  • Knowledge of credit risk regulations and best practices in the UK market (Desirable)
  • Experience with data visualisation tools (Desirable)
  • Experience of full credit card customer journey (from origination to recoveries) (Desirable)
  • Experience with model pipeline maintenance (Desirable)
  • Experience with model monitoring (Desirable)
  • Experience in analytics/DS project management (Desirable)

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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