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Murray McIntosh Recruitment Consultancy
,
London, Greater London
Credit Risk Analyst
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Job Type: Full-time |
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Salary: £35,000 per annum |
Overview
As a Credit Data Analyst, you will support the Head of Credit Risk to help shape the credit risk management data capability. Working across business functions, you will be responsible for the continual analyses, reporting and improvement of the organisations risk and profitability models. As an integral part of the organisation's success, this Credit Data Analyst will help to predict and improve the portfolio's success by optimising data solutions to help deliver value to the business and an provide ongoing value to the end customer. The successful candidate will be responsible for: The designing, building and maintenance of the risk and profitability models, used for a variety of things inclusive of underwriting loans, combatting fraud, setting product pricing, segmenting customers, and predicting portfolio performance Develop regular reporting solutions to allow the Head of Credit Risk and the rest of senior management to closely monitor the performance of new and existing customers' risk Propose data-driven product changes to improve customer experience and company profitability, and partner with the wider organisation to implement solutions Monitor the portfolio to identify trends, and support the Head of Credit Risk in meetings to share performance updates and analysis Conduct ad-hoc analysis to identify the root causes of unexpected change or trends in the data and delve deeper into potential issues, understanding and reporting on the cause Carry out any day-to-day support using SQL Server The successful candidate will demonstrate: An interest in consumer finance, particularly within the challenges of lending responsibly Advanced understanding of Excel or similar software Strong skills using R or Python for analysing moderately large datasets, and have a good working knowledge of SQL An understanding of T-SQL and ETL tools Strong experience in SSRS, with any experience in SSAS being highly desirable Prior experience in .NET development (VB or C#) would be useful A highly analytical mindset, ideally with circa 3 years' experience in statistical or quantitative modelling Possessing experience as a Database Administrator would provide this candidate an advantage Experience within Financial Services and knowledge of the Fintech space is desirable