Description:
The role is a senior credit risk analyst position looking after portfolio performance and insights.
You can expect to be involved in the following day to day:
- Assist the Head of Retail Risk with reviewing, analysing, and implementing Retail Risk policies.
- Evaluate scorecard performance and recommend enhancements as needed.
- Identify and explain key variances in reporting metrics.
- Conduct data quality checks, investigate discrepancies, and ensure reconciliation.
- Design, maintain, and report on credit strategy monitoring frameworks and controls, such as auto-decision rules, policy exceptions, DLAs, and risk scorecards.
- Contribute to the development and refinement of retail credit scoring models and scorecards.
- Support the deployment and integration of models and policies into operational processes.
- Prepare materials for Retail Risk-related forums, presenting and discussing insights when required.
- Monitor and assess Collections activities and key performance indicators (e.g., stock levels, arrears, defaults, remarketing efforts) to evaluate portfolio strategy effectiveness and operational performance, including cost, resource, and productivity metrics.
- Collaborate with Collections teams to optimise strategies, maximise recoveries, and minimise net losses after accounting for associated costs.
SKILLS AND EXPERIENCE
- SAS or Python experience - MUST
- Experience in credit risk portfolio, policy or strategy analytics
- Strong skills in interpreting data and driving insights
- A strong university degree in a numerate discipline