Senior Regulatory Analyst

The senior regulatory analyst will be part of the model building team that is responsible for building logistic regression and machine learning models. It is a combination of bureau models as well as models for our clients. The typical models we build are a combination of probability to default collection models behaviour models early warning risk categorisation income predictors and fraud models. Experian also hosts regulatory models for specific clients and the senior analyst will be responsible for the management and/or running of these models.  They will also be responsible for other client or internal projects in this team including

-         Complex data work to prepare data for model building

-         Building models in Paragon Modeller/ SAS and Python

-         Presenting models to stakeholders

What youll be doing 

• Lead regulatory analytics initiatives within the team focusing on compliance with IFRS 9 and Basel requirements.
• Validate and monitor PD LGD and EAD models that support ECL calculations.
• Execute a monthly run for regulatory models ensuring timely and accurate delivery in line with client SLAs.
• Provide guidance to junior members of the team also running monthly runs for regulatory models.
• Manage workload to meet deadlines including working overtime when required to fulfill service commitments.
• Developing scorecard models i.e. PD models or regulatory models
• Testing bureau models to fit on different portfolios
• Calibration of models to recent populations different bad definitions and/or different portfolios
• Validation of models both internal and external models.
• Review existing modelling processes and identify opportunities to optimize current model building processes and ensure that sufficient quality control measures are in place.
• Assist in aligning the teams objectives and focus with Experians model building strategy.
• Ensure quality and accuracy of own work and the work of any analysts on specific projects 
• Carry out and lead others in confirming the integrity extraction formulation and quality control to develop new bureau and bespoke client models.
• Analyze results from monitoring packs to identify and interpret trends.
• Assist in upskilling more junior team members to enhance their skillsets both from a technical perspective and modelling interpretation.
• Ensure process and product documentation is up to date and interpretable both by internal and external stakeholders.
• Participate in sales enablement when new analytics products specifically models that is launched.
• Attend client meetings to support pre-sales and post-sales discussions pertaining to analytics data products specific modelling.
• Stay abreast of legislation and regulation as they relate to Experians analytical solutions.

Qualifications :

• Degree or equivalent standard with high mathematical content o e.g. Mathematics Statistics Economics Business Mathematics and Informatics Accounting Engineering Actuarial Science Scoring Specialist or Data Science. 
• Minimum Required Background and Experience:
•  5 years of hands-on experience in credit risk modeling or regulatory analytics (IFRS 9 Basel or similar frameworks) 
• Practical experience developing validating or running PD LGD and EAD models 
• Strong understanding of regulatory requirements for credit risk and expected credit loss (ECL) calculations 
• Proven ability to manage recurring operational cycles and meet tight deadlines 
• Familiarity with audit processes regulatory reviews and responding to external/internal model validation findings

Additional Information :

Our uniqueness is that we celebrate yours. Experians culture and people are important differentiators. We take our people agenda very seriously and focus on what matters; DEI work/life balance development authenticity collaboration wellness reward & recognition volunteering... the list goes on. Experians people first approach is award-winning; Worlds Best Workplaces 2024 (Fortune Top 25) Great Place To Work in 24 countries and Glassdoor Best Places to Work 2024 to name a few. Check out Experian Life on social or our Careers Site to understand why.

Experian is proud to be an Equal Opportunity and Affirmative Action employer. Innovation is an important part of Experians DNA and practices and our diverse workforce drives our success. Everyone can succeed at Experian and bring their whole self to work irrespective of their gender ethnicity religion colour sexuality physical ability or age. If you have a disability or special need that requires accommodation please let us know at the earliest opportunity.

Experian Careers - Creating a better tomorrow together

Find out what its like to work for Experian by clicking here

Remote Work :

Yes

Employment Type :

Full-time