Senior Credit Risk Analyst
Senior Credit Risk Analyst
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Job Description
Let us tell you a bit about us
Were Aldermore the awardwinning bank trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages savings accounts and business finance solutions were backing more people to go for it.
We thrive by saying yes to our customers. We respect the ingenuity of entrepreneurs and their startups; we give firsttimers a legup onto the property ladder; we open up the lending market to many; and thousands of customers chose Motonovo Finance every week to buy their next car van or motorbike.
This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose.
Let us tell you a bit about the opportunity
You will play an integral role in solving the key business problems in Property including optimisation of risk and return. In doing so you will drive a step change in the quality of strategic dataled decision making in the division.
You will create insightful reports analyse the key outputs and provide actionable recommendations into key Property teams such as Products and Sales to help grow our business safely and effectively.
What will your day look like
- Provide meaningful analysis of the divisions credit risk profile and utilise data to support the development of lending criteria mortgage affordability models and use of credit scorecards to meet strategic objectives.
- Work with and develop statistical models used in various areas of the business.
- Drive actionable insight across the main themes of customer broker commercial performance and credit risk.
- Provide analytical rigour to both big strategic challenges and more granular business as usual questions that support our Credit Risk Sales Products and Operations teams.
- Ensure decisionmaking in the division is underpinned by key metrics such as return on capital and earnings volatility.
- Provide meaningful actionable insight for committee papers and management dashboards.
- Identify key insight gaps within the division and prioritise development of analytics accordingly.
What do we expect from you
- 4 Years experience in credit risk management or equivalent.
- Exceptional data mining statistical and data science skills underpinned by proficiency in relevant software such as SAS and/or Python.
- Ability to hone in on the key insight within data sets and develop actionable business recommendations from data.
- Strong stakeholder engagement skills and the curiosity to understand a business model in detail to support meaningful analytics.
- Good presentationskills and ability to articulate insight in a way thats compelling and appropriately succinct.
- Solid background in credit risk would be an advantage.
What can you expect from us
- A friendly and flexible culture the same as how we work with our customers.
- A growing organisation that means theres lots of opportunities to progress
- A drive for continuous improvement which you will be empowered to get behind from day one.
- And of course you will be rewarded competitively with a good range of core benefits and bonus potential.
Still curious
Join us and well make the same promises to you as a colleague as we do to each of our customers. Were committed to building a working environment that values respect diversity and compassion. We welcome people regardless of age disability gender identity marital status race faith or belief sexual orientation socioeconomic background and whether youre pregnant or on family leave.
Please note that we have a thorough referencing process which includes criminal record checks.
The Company
We champion equality by supporting the exceptions to the rule and getting finance to where its needed.
We lend the money people save with us to people who want to get on in life; build businesses and create employment buy property for people to live and work in and purchase vehicles to move families and goods around.
Behaviour Framework
Our behavioural framework underpins our purpose and strategic drivers as it outlines the behaviours we need to demonstrate in order to succeed. Where our strategic drivers (Stay Ahead Propositions Relationships That Last and Progressive Platform) outline what we need to do to succeed our behaviours guide us in how. In your second interview well ask you to talk through some examples where youve demonstrated these behaviours in your previous roles.
The Benefits
As you would expect we offer a competitive basic salary and reward package and youll also benefit from our commitment to investing in your professional development throughout your journey with us.
Benefits vary across the business depending on the role you do but these will give you an idea of what to expect:
- Discretionary bonus scheme
- Aviva Digital GP
- Bus And Tram Benefit
- Employee Assistance Programme
- Eyecare Voucher & Display Screens/Desk SetUp
- Flu Jab Vouchers
- Group Income Protection
- Life Assurance
- Metrolink Annual Pass & Clipper Ticket
- Microsoft Discounts
- Private Medical Insurance Shopping Discounts
- Toothfairy
- Your Workplace Pension
- Hybrid Working
- Critical Illness
- Cycle To Work
- Dental Insurance
- Give As You Earn
- Government TaxFree Childcare Scheme
- Octopus Electric Vehicles
- Save Our Planet
- Season Ticket Loan
- Spouse Or Partner Life Assurance
- Technology
- Wearable Technology
- Wellbeing App
- Will Writing
Documents
Required Experience:
Senior IC
Employment Type
Full-Time
