Credit Risk Analyst

Education and Experience

• MSc/ BSc (Hons) in Statistics/ Actuarial Science/ Financial Maths/ Applied Maths
• At least 1-2 years of experience in relevant field (e.g. behavioural credit scoring, credit risk management processes across the credit life cycle)
• Programming capabilities in SAS / R / Python / VBA
• Retail banking experience
• Strong track record of professional performance
• Skilled in Microsoft products, particularly PowerPoint, Word, Excel and Access

Areas of responsibility may include but are not limited to

• Work and collaborate on the following account management activities that directly impact the financials:
• Develop mathematical and statistical models for risk quantification in accordance with relevant modelling methodology and guidelines.
• Development and implementation of the high risk account management strategy, limit increase strategy and forced limit decrease strategy for risk management inaccordance with the relevant guidelines.
• Monitor and run assurance on system functionality than enables the facility structure that is the core component of the credit product.
• Provide meaningful insights, trends and recommendations with the objective of informing credit policy and business strategy through analytical methods.
• Create business reporting that is of a consistently high quality and standard to inform and/or drive business processes.
• Evaluate profitability of current policy / rule sets, generate and evaluate alternatives.
• Conduct detailed analytical work with a high level of accuracy in order to deliver high level results to senior management.
• Responsible for managing issues through to resolution.
• Working with other team members within the Credit Team to ensure:
• The management of key stakeholder relationships. (i.e. Product, Credit Ops, EIS, System)
• Effective team management to produce results in line with strategy.
• Improved processes and a collaborative working culture.

Please note if you have not heard back from us withing a week of submitting your application, consider it unsuccessful. We will however contact you for any other suitable opportunities in the future.