The Credit Risk Analyst will develop and monitor credit risk models, conduct portfolio analytics, and optimize lending strategies while ensuring regulatory compliance.
We are seeking a skilled Retail Credit Risk Analyst with 3+ years of experience in the UK credit markets, specifically within personal loans for debt consolidation. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth.
Key Responsibilities:
- Develop, implement, and monitor credit risk models and decision frameworks for personal loan portfolios.
- Conduct portfolio analytics to assess risk trends, customer behavior, and loan performance.
- Analyze credit data, customer profiles, and market trends to enhance underwriting criteria.
- Work closely with stakeholders to optimize credit policies and improve lending strategies.
- Utilize statistical and machine learning techniques to support data-driven risk assessment methodologies.
- Monitor key performance indicators (KPIs) related to loan approvals, delinquencies, and charge-offs.
- Ensure compliance with UK regulatory requirements, including FCA guidelines and GDPR.
- Support stress testing, scenario analysis, and loss forecasting.
Required Skills & Experience:
- 3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK.
- Strong understanding of credit scoring models, risk analytics, and lending strategies.
- Relevant experience in working on UK credit bureau data and leveraging it for credit risk analysis.
- Experience or familiarity with end-to-end life cycle of a retail loan portfolio.
- Proficiency in SQL, Python, SAS, or R for data analysis and risk modeling.
- Experience working with decision engines and credit risk platforms.
- Knowledge of UK credit regulations, including FCA and PRA requirements.
- Strong analytical skills with the ability to translate data insights into business decisions.
- Excellent communication and stakeholder management abilities.
Preferred Qualifications:
- Experience in alternative data usage for credit risk evaluation.
- Exposure to machine learning techniques in credit risk modeling.
- Familiarity with Open Banking and fintech lending platforms.
- Bachelor’s or Master’s degree in Finance, Statistics, Mathematics, Economics, or a related field.
- Pension Plan
- Paid Time Off
- Work From Home
- Training & Development
Top Skills
Python
R
SAS
SQL
Similar Jobs
Fintech • Professional Services • Consulting • Energy • Financial Services • Cybersecurity • Generative AI
This role involves analyzing credit risk in banking, utilizing programming skills and financial frameworks, to provide insights and solutions.
Top Skills:
PysparkPythonQlik SenseSQLTableau
Big Data • Food • Hardware • Machine Learning • Retail • Automation • Manufacturing
Lead the design and implementation of internal control frameworks and risk analytics, ensuring compliance, improving processes, and translating data insights for senior stakeholders.
Top Skills:
ExcelPower BISalesforceSAPSQLTableau
Big Data • Food • Hardware • Machine Learning • Retail • Automation • Manufacturing
The Forecasting Data Scientist will analyze data, develop predictive models, and collaborate with stakeholders to improve demand forecasting accuracy and business decisions.
Top Skills:
CC++DatabricksJavaJavaScriptPysparkPythonRSQL
What you need to know about the Dublin Tech Scene
From Bono and Oscar Wilde to today's tech leaders, Dublin has always attracted trailblazers, with more than 70,000 people working in the city's expanding digital sector. Continuing its legacy of drawing pioneers, the city is advancing rapidly. Ireland is now ranked as one of the top tech clusters in the region and the number one destination for digital companies, with the highest hiring intention of any region across all sectors.
