Senior Credit Risk Analyst

Overview

In this Senior Credit Analyst role you shape lending decisions across consumer portfolios, owning strategies and improving performance. You will work hands-on with data to drive outcomes, using SQL, Python or SAS to solve problems and automate processes. Collaborating with Decision Scientists, you’ll leverage predictive models and present clear analyses to senior stakeholders. The role includes developing credit strategies across the customer lifecycle, investigating portfolio trends, and supporting new lending initiatives. You’ll also mentor junior analysts and partner with cross-functional teams.

Responsibilities

• Develop and optimise credit strategies across the customer lifecycle
• Investigate portfolio trends, risks and opportunities
• Recommend and implement data-driven changes to improve outcomes
• Support new lending initiatives
• Present analyses and recommendations to senior stakeholders
• Use SQL, Python, SAS or similar tools to solve problems and automate processes
• Collaborate with Decision Scientists to leverage predictive models
• Support junior analysts
• Collaborate with teams across the business

Key requirements

• Degree (or equivalent experience) in a quantitative subject
• Substantial experience in credit risk strategy, portfolio analytics or decision science
• Experience developing credit strategies in consumer lending
• Good understanding of portfolio management and underwriting
• Experience with credit reference agency data and decisioning systems
• Strong SQL skills, with experience in SAS, Python or similar tools
• Ability to influence senior stakeholders with insight
• Strong analytical and problem-solving skills

• stakeholder influence
• analytical thinking
• problem-solving
• SQL
• SAS
• Python

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