Credit Risk Analyst
We are working with an extremely well known, fast-paced business based in Solihull to recruit an assured Credit Risk Analyst.
You will support the development of credit risk strategies and associated controls, helping to ensure that lending follows the correct standards of the business whilst treating customers fairly. You'll assist in reviewing the effectiveness of credit risk controls and strategies including monitoring performance against key risk indicators/appetite and analysis of actual performance against expectations, providing insights into any variances and detrimental customer behaviours.
Using the analytical expertise you will gain in this role you will be able to undertake analysis to support agreed requirements for acquisition & customer management credit risk - statistical model development and use, setting and reviewing score cut-offs and risk based pricing, initial and through the life-cycle credit limit/new loan strategies, life-time loss and predicted bad rate modelling and affordability assessments. You will also support the monitoring of the Consumer Finance portfolios performance, identifying and highlighting emerging trends and investigating issues, developing appropriate solutions to improve customer experience and business performance.
Ideally you will be degree educated (2.1 minimum) with significant of operating within credit risk.