Credit Analyst

Overview

In this role you will support automated credit decisions for a high-volume card loan portfolio by analysing data and developing insights to improve credit strategies. You will work within the Cards Originations Credit Risk team to ensure responsible lending and robust risk management, collaborating with cross-functional partners to drive process improvements. The position offers hybrid working and a chance to contribute to a large-scale transformation of group finance. You will build and communicate actionable analytics that influence decision making and risk appetite.

Pay / Benefits

• generous pension contribution up to 15%
• annual performance-related bonus
• share schemes including free shares
• discounted shopping benefits
• 24 days holiday plus bank holidays
• wellbeing initiatives and parental leave policies

Responsibilities

• Manipulate and interrogate data using SAS and Excel within a controlled environment
• Conduct data analytics to support customer needs
• Produce high-quality reporting and analytics on a regular basis
• Collaborate with credit risk and infrastructure teams to improve credit strategies
• Identify opportunities to automate and transform processes
• Support loss forecasting and risk-reward optimization within risk appetite

Key requirements

• Numerate degree or equivalent quantitative experience
• Experience in or willingness to learn SAS, SQL, BigQuery
• Curious and analytical problem solver with ability to draw insights from data
• Proactive in personal development and collaboration within the team
• Prior experience in credit risk in retail banking is a plus

• Curiousity
• Analytical thinking
• Collaborative mindset
• SAS
• Excel
• SQL

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