Job Details

Data Analyst / Credit Risk Analyst

Lancashire Manchester United Kingdom, M21 0 £55,000 - £65,000 , Contract

Posted: 20 hours ago


Data Analyst / Credit Risk Analyst

9 Month FTC

Location: Manchester, Birmingham or Bristol

Salary: £55,000 to £65,000 + excellent benefits

Hybrid Working

The Business

Be a part of one of the largest and most monumental brands in the UK. Operating across 150+ countries, with several thousand redeployment opportunities at any one time, this is a business where you will never sit still, (unless you want too of course)!

The Role

Working within the Credit Risk department, supporting the Senior Manager and the wider team in delivering an ongoing programme of initiatives aimed at improving the new customer acquisition, account maintenance strategies and customer order journey products. The role holder will design, refine and enhance the strategy to improve market share and manage the Fraud, Early & Involuntary Churn exposure across the product line to optimise risk reward balance.

Skills & Experience

Proven track record of building a wide range of statistical models & scorecards to manage credit risk assessments at application and behavioural levels.
A proven background in delivering and optimising risk strategies through statistical analysis.
Excellent analytical and problem-solving skills with attention to detail and an ability to robustly interrogate large volumes of data.
Experience of working in a high-volume Consumer/Commercial Credit Risk environment, either in an Acquisition and/or In Life capacity.
Experience of high-volume consumer Credit Risk Acquisition systems and/or In Life decision engines.
Strong communications skills with evidence of influencing stakeholders and proposing robust strategy recommendations.
Understanding of FCA requirements, processes, tenets and CONC5.
Familiarity with external Income data sources, such as ONS.
Highly proficient in SAS, Statistical Modelling software, MS Office applications.
Degree level or equivalent experience in a financial, statistical or mathematical specialism.

Your Responsibilities

Support the implementation of Acquisition Credit Risk & Fraud strategy and policies by working with other areas across the business and external suppliers.
Design and build the Acquisition and In Life Risk Strategy for the relevant FCA-regulated commercial products through statistical modelling and analysis, optimising performance to reduce fraud, early churn and bad debt.
Enhance and maintain Acquisition and In Life strategies through continuous re-training and refinement of in-house statistical models.
Define and produce analytics and KPIs to monitor the efficacy of the Acquisition & In Life strategy models.
Act as a subject matter expert in the field of Acquisition & In Life Credit Risk and Statistical Modelling and scorecard building for FCA-regulated products.
Build FCA-compliant Acquisition & In Life scorecards & strategies.
Create virtual teams across the wider business as and when required to resolve priority cross-functional issues.
Establish and maintain key relationships across the business including Senior Management Team and external suppliers to support the Credit Risk function.
Provide detailed analysis and insight of Acquisition & In Life risk performance to identify trends and opportunities to drive improvements in core KPIs.
Quantify the impact of initiatives and monitor progress against agreed plan to deliver company level targets.
Produce consistent insight and deliver cohesive and coherent message on Credit Risk issues on FCA-regulated products to present to Senior Stakeholders.
Support the roll out of policies and processes within the Operation.

10% Bonus
10% Pension
Life assurance cover
25 day's annual leave, plus bank holidays, and additional days for length of service
£500 worth of shares for free annually.
You'll enjoy access to 100s of instant discounts for restaurants, shops, and the cinema. These include money off your weekly shop and discounts on gift/shopping vouchers.

Keywords: Credit Risk, Analytical Skills, SAS, Statistical Modeling, Scorecard, Statistical Data Analysis, Big Data, Risk Assessment, Statistical Analysis

Job Details

Manchester, Lancashire, United Kingdom
£55,000 - £65,000