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Lead Credit Risk & Data Analyst

London, United Kingdom, £ £ - Annual Annual, Permanent

Description:

To work in a fast-paced environment, solving real problems with data and analytics. Able to understand and work within a Data & Credit Risk Function and balance business needs with delivering positive Customer outcomes. Have a passion for Advanced Analytics and Machine Learning and how they are applied in a Credit Card Services business to add value.


Overview:

To work in a fast-paced environment, solving real problems with Data and Analytics. Able to understand and work within a Data & Credit Risk Function and balance business needs with delivering positive Customer outcomes. Have a passion for Advanced Analytics and Machine Learning and how they are applied in a Credit Card Services business to add value.

Role:

  • This role will be working in a Credit Card business, which focuses on Consumer Lending Products and services and is central to the company's growth strategy for 2022 and beyond. The focus will be on innovation, digitisation and delivering something new for customers, offering attractive products and the best possible customer service.
  • Working in a Credit Risk & Data team you can expect to be exposed to multiple projects in Credit Card services. Additionally, there is the need for insight and strategic evolution throughout the credit life-cycle, providing exposure to each stage from acquisition right through to Recoveries and Fraud Analytics.
  • Interrogating internal and external Data to drive changes to strategies and insight into performance.
  • Develop and optimise and build Roll Rate Tables, Credit Strategies, Balancing Risk against returns.
  • These strategies may cover a variety of different channels and products, and across the full credit life-cycle fiscal, from new business and a variety of Credit Card Products.
  • Extracting, manipulating, and analysing Data on the performance of the lending book to ensure that lending is performing within expectations.
  • Representing risk to the wider business, driving changes via the Product Development team, and presenting analytical work to senior management.
  • Developing predictive models and ensuring their implementation, enhancing auto-approval processes and Fraud avoidance. This includes the use of advanced regression techniques e.g., gradient boosted models.
  • Enhancing loss forecasting and provisioning methodology and developing best in class tools.

Skills & Experience:

  • Passionate about providing unparalleled levels of service and convenience for customers.
  • Able to work and learn quickly in a fast paced, fun, and dynamic environment.
  • Exceed in doing a great job and above expectations with what you do.
  • We will always support you to develop skill.
  • Understand the risks associated with your job and what that means for the business and stakeholders.
  • Able to analyse and model data, and derive insights on how to optimise complex journeys and systems.
  • Understand consumer credit card products, profitability dynamics and credit risk.
  • Ideally fluent with SQL to retrieve information for analysis.
  • Experience disseminating complex information to all stakeholders (technical and non- technical) in a "user-friendly" manner and turning insight into action.
  • Demonstrable track record in successfully working on multiple projects concurrently, managing possible conflicting priorities and delivering within agreed parameters.
  • Ability to challenge in a constructive way, and influence others to deliver processes and solutions in line with regulatory requirements.
  • Prior experience using another programming language (e.g., SAS, R or Python) would be ideal.
  • Degree educated in a quantitative/numerical discipline (e.g., economics, maths, physics, statistics, engineering).
  • Knowledge of FCA regulations and experience applying them in a practical capacity within a fast-growing regulated organisation

Job Details

1400212844
Not Specified
London, United Kingdom
Permanent
£ £ - Annual Annual