Monitor and support a range of credit risk management processes and systems
Interpret a range of data, managing the efficient and effective production of high-quality analysis, anticipating partner needs.
Deliver responsible and sustainable lending to support small business customers.
Make responsible lending decisions for Business Banking (BB) customers through the use of automated credit strategies.
Improve credit decisions and maximise the efficiency of the credit decisioning systems.
Oversee key aspects of the portfolio to ensure we’re acting in the best interests of our customers.
Provide technical insight to the BB Credit Risk strategies and systems, defining and delivering analysis to support the team goals.
Form relationships with the wider Risk team and 1st line business areas, providing technical leadership and mentoring to junior analysts in the team.

Requirements

Strong numerate skills and qualifications (either A-Level or Degree)
Analytical expertise – practical experience of using analytical software and coding, such as SAS or SQL, and be confident in using Microsoft Office, particularly Excel and Powerpoint.
Knowledge of Credit Risk and Change Management – an understanding of what credit risk is and how we manage it with strategies and scorecards.
Effective Communicator – ability to explain complicated issues clearly to different audiences; technical, non-technical, junior colleagues and senior management; both verbally and non-verbally.
Enthusiasm for problem solving – When the answer isn’t in the data, sometimes you need to look elsewhere, and this takes a curious, creative attitude and logical thinking to explore the problem and find a solution.
Proficient in PowerBI (Desirable)
Coaching junior members of the team (Desirable)
Deputising for Management where required and supporting them to shape initiatives (Desirable)
Experience in business lending (Desirable)

Benefits

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Applicant Tracking System Keywords

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Hard Skills & Tools

analytical expertiseSASSQLMicrosoft ExcelMicrosoft PowerPointPowerBIcredit risk managementdata analysisautomated credit strategiescredit decisioning systems

Soft Skills

effective communicatorproblem solvingtechnical leadershipmentoringrelationship buildingcuriositycreative thinkinglogical thinkingteam collaborationinitiative support

Certifications

A-LevelDegree