Credit Risk Analyst

Oakam ,
London, Greater London
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Job Description

Do you have a keen, analytical mind? Do you enjoy interpreting data and using it to draw conclusions? Are you curious about credit and its role in inclusive finance? If you can say "yes" to the above, then keep reading: we're on the lookout for a Credit Risk Analyst who can help solve cross-company analytical problems and propose impactful product and policy changes. As a Credit Risk Analyst across either Acquisition; Forbearance or Fraud, you will be responsible for using Analytics (SQL and Python) to ensure that we maintain the providing of a fantastic experience for our customers whilst also ensuring as a business we maintain the right Risk/Reward balance. You will be working in a highly collaborative environment where ideas come from everyone (so no hiding!) and you need to be able to balance both hard (A/B testing outcomes) and soft (customer feedback) data. What will your workday look like? You will be based at our Moray House office on Great Titchfield Street (GTS), just around the corner from lively Oxford Street. Moray House is home to our Risk, Marketing, Engineering, Compliance, Data, Talent, and Finance teams, so there is always a lot going on! It's a busy and diverse environment where everyone rolls up their sleeves and gets stuck in. You may, on occasion, need to work at our Sunley House office in Croydon, where our Operations, HR, and Customer Services teams are based. 5 minutes from Croydon train station, Sunley is a vibrant space which has recently received a much-deserved make-over (including the installation of a games room!). Whilst the ins-and-outs of every day will vary, you can expect to: * Develop predictive models and ensure their implementation, to enhance the auto-approval processes and fraud avoidance strategies. * Support the annual budget, forecast and planning processes, from assessment of market/industry trends through data gathering and analysis, initiative selection and assessment, preparation of the plan, from concept to delivery. * Track, communicate and draw insights from the performance of ongoing initiatives and be on top of all credit KPI's through intensive monitoring. * Develop models, monitor trends, apply test and learn to drive step-change improvements in the lending facility. * Identify operational inefficiencies and manage the implementation of small-scale change within the Credit function. * Partner with engineers, PM, data scientists, designers etc. to implement solutions and prioritise business decisions. * Ensure that our product development meets compliance and regulatory requirements. What You'll bring to the role: * Proven track record of managing through the cycle credit risk for retail credit products like credit cards, unsecured personal loans etc. * Solid understanding of credit as well as behavioural scoring models * Generally clear, concise and structured thinking process and the ability to explain complex concepts in simple manner. * Excellent working knowledge of SQL, R and Python etc. & other data analysis tools and be passionate about using technology to improve and transform consumer lending. * Strong experience in making data driven decisions with especial focus on marginal decision making. What you'll get in return * a competitive salary * flexible work arrangements * private health care * enrollment in our pension scheme * a fantastic office in the centre of London * free tea, coffee and snacks * regular team lunches * the chance to help shape the company as we continue to grow and expand Who is Oakam? We are a digital micro-lender helping underbanked, overlooked, consumers onto and up the credit ladder. We're working to make consumer credit more inclusive and affordable for those who need it most: so far, we've provided around half a million loans to 155,000 unique customers and provided funds of over 350 million to financially excluded communities. And we're just getting started: we're an ambitious company, with plans to grow tenfold and to expand into Sub-Saharan Africa over the next 2 years. Our core team has been carefully selected from leading financial companies (including Barclays, JP Morgan, and Soldo) and we're looking for more top talent to drive us towards our goals during this new phase of growth. Sound good? Apply now! Apply for this Job

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