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
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