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Credit Risk Analyst - Leeds

Business Intelligence - Business Intelligence
Ref: 114 Date Posted: Monday 24 Sep 2018
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RP Analytics are working with a well established Financial Services business in the Leeds area who are truly the leaders in their field. They are also looking to strengthen their online offering and further grow the business, thus offering excellent development and progression opportunities. 

If you are a talented analyst with 1 - 3 years worth of experience working in a credit risk environment using cutting edge analytical techniques then we're keen to speak to you. If you've used SAS Enterprise Guide or Enterprise Miner that's a huge bonus too, although other tech will be considered. 

Any credit risk scorecard and decision engine development is desirable, as well knowledge of Credit Reference Agency data and reporting. (Though not essential) 

Responsibilities: 

  • Development of credit risk management strategies including new customer acquisition and existing customer re-lending.
  • Monitor decision engine performance to ensure that refer/decline rules, product limits, credit score cut offs, and affordability assessments are appropriate and effective.
  • Undertake specialised analysis in the areas of scorecard development, modelling, profiling / segmentation and forecasting to ensure that lending is in accordance with Credit Risk Policy and the risk appetite of the business. 
  • Investigate issues identifying and highlighting trends and emerging issues, together with the identification and development of appropriate solutions to deliver improved customer outcomes and business performance.
  • Performing analysis on data gathered from Credit Reference Agencies and other sources to design and develop innovative approaches to the credit approval process. 
  • Operate a robust test and learn approach developing tests based on data driven evidence, setting clear performance expectations with subsequent monitoring and maintenance of performance.
  • Test and challenge new strategies / products. 

Key Technical Requirements; 

  • Experience of SAS Enterprise Miner / SAS Enterprise Guide (desirable).
  • Excel - Advanced Level 
  • Excellent analytical and numeric skills
  • Conceptual thinking – ability to find innovative ways to solve analytical problems
  • Ability to drive insight from data, assess the commercial / financial impact and recommend action
  • Ability to consistently deliver accurate, error free results to a high standard within tight deadlines
  • Excellent oral and written communication skills with ability to translate insight into a coherent story that drives action 
Qualifications, Knowledge, Experience: 
  • Educated to a degree level in a relevant numerate discipline (Mathematics, Statistics, Economics) 
  • Experience of credit risk management and associated analytical techniques and practices. 
  • Proven experience of credit risk scorecard and decision engine development (desirable)
  • Knowledge of Credit Reference Agency data and reporting (desirable).