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Senior Risk & Data Analyst

Sheffield, Yorkshire, United Kingdom, £ £ - Annual Annual, Permanent


Location: Sheffield / London / Hybrid Home working

Contract: Permanent

Hours: Full time 37.5 hours per week/flexible days and/or hours (Mon-Fri)

Salary: Up to £40,000 per annum max depending on experience

Benefits package:

  • 30 days annual leave plus bank holidays, opportunity to buy and sell holiday
  • 15% employer pension contribution, performance related bonus
  • Flexible working, cycle to work scheme, healthcare cash plan and life assurance
  • Paid voluntary day, maternity, adoption, and shared parental leave
  • Benefits designed to suit your lifestyle - from discounts on retail and socialising, to health and wellbeing, travel, and technology...and plenty more


We're looking for an experienced Risk & Data Analyst to deliver various data strategies across the whole customer journey for our Start Up Loansprogramme.

As Senior Risk & Data Analyst, you will be involved in a broad range of activities which include credit risk analytics, decisioning rules and scoring, arrears forecasting, fraud prevention strategies, 'Know Your Customer' strategies and portfolio management/ MI reporting. You will also take the lead on projects within the team.

You will develop models used for decisioning and/or forecasts, and will be responsible for monitoring and enhance these models. This could include performing deep dives into forecast numbers and performing trend analysis.

You will monitor and propose new forecasting, credit risk, fraud and KYC scorecards, score cut-offs and policy rules using customer data and data from third parties, and present results and findings to the Senior Management Team (SMT) and BBB Risk teams. You will also develop and monitor MI regarding all aspects of the loan portfolio and for delivery/finance partners and provide recommendations on lending strategy to Directors.

Using your stakeholder management skills, you will develop solid working relationships with key service providers (such as: finance Partners, Experian, Logical Glue, and Totally), working directly with them to resolve issues and/or improve processes.

You will play a key role in supporting the business by producing accurate, timely and relevant reporting (including on credit and fraud risk). You will have plenty of interaction with Directors and Senior Leaders, providing analytical results and analysis, whilst also actively making reporting improvements.

You will be an ambassador for the Credit Risk team, representing the team at meetings with other departments, whilst working closely to communicate changes in policies and procedures to Delivery Partners and stakeholders. This will involve working with directors of various parts of the business to assess impacts of any changes.

You will join a collaborative and supportive team that welcomes new ideas, within a position offering opportunities to drive the strategy for credit and risk processes, and scope to lead on projects for their whole lifecycle, from planning through to delivery.

In order to be successful in this position, we're looking for a Data Analyst who is qualified to degree level within maths, statics or other numerate degrees, with previous experience within retail credit risk, strong experience in data analysis within retail banking, and the ability to translate research and analysis into reasoned recommendations, presentations and reports. You will also have advanced working knowledge of MS Office (esp. MS Excel), SQL and/or SAS (or WPS) or other equivalent analytical tools.

It is not essential to have worked within fraud, KYC or AML in addition to credit risk, but having worked within these areas would be advantageous. Knowledge of Experian products such as Delphi, Authenticate, Detect, Bank Wizard Absolute and equivalent packages would also be desirable.

Please refer to our careers site to view the full job description


The British Business Bank is a unique and exciting institution. Its mission is to make finance markets work better so smaller businesses across the UK can prosper and grow.

Established in 2014, it is a 100% government-owned economic development bank but independently managed.

To deliver its programmes, the Bank works through more than 200 delivery partners such as high street, digital, specialist and challenger banks, venture capital and private debt funds and fintech platforms.

Currently, we employ around 440 people, split between offices in Sheffield and London.

Please note all candidates applying for this role should have the right to work in the U.K.

Job Details

Not Specified
Sheffield, Yorkshire, United Kingdom
£ £ - Annual Annual