Credit Risk Analyst
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Job Location:
Monthly Salary:
Posted on:
19 hours ago
Vacancies:
1 Vacancy
Job Summary
The opportunity
We have an opportunity for a talented Credit Risk Analyst to join us on the exciting and rewarding path we are taking here at Castle Trust Bank. We pride ourselves in being a fintech challenger bank providing specialist property mortgages retail finance lending and savings accounts to a variety of customers.
In this role you will contribute to the credit risk approach changes to the risk decision systems for Omni Capital (our retail finance business line) analysis & MI and supporting the group in developing further opportunities to diversify its credit footprint.
You will play a key role in monitoring consumer lending at Castle Trust ensuring credit risk affordability and fraud strategies operate within the agreed risk appetite. Using advanced analytics and modelling youll help shape credit risk strategy and policy so it remains fit for purpose compliant with regulations and delivers the right outcomes for customers and the business. The role involves producing insightful analysis and reports developing effective MI and working closely with Technology and Data teams to enhance data capabilities. Youll also support the specification implementation and testing of credit risk strategy changes while collaborating with operational teams to deliver a robust and effective approach.
This role will benefit a hybrid working arrangement to be based between our London office (3 days) and working the rest of the week from home.
What we are looking for in you...
Minimum criteria for the role:
- Degree in a numerical/quantitative or finance subject/discipline minimum 2:1 classification
- Some demonstrable work experience in Credit Risk
- Strong communication skills with the capability to influence a range of business stakeholders
- Full right to work in the UK without the requirement for visa sponsorship
What is important to us is that you have some proven experience in credit risk with the ability to analyse interpret and review data and ideas before providing a solution recommendation or opinion. You should be able to spot trends outliers & anomalies in data and addition you will need demonstrable experience in using Microsoft Office products specifically including Microsoft Excel.
What is equally important is that you adopt a collaborative approach are good at problem solving and able to work with a wide range of business stakeholders. It would be advantageous if you have experience in management information and commonly used risk metrics alongside proficiency in programming languages such as SQL and Python. Experience with Microsoft Power BI and the Databricks platform as well as expertise in data aggregation manipulation and utilisation to drive meaningful insights would also be beneficial.
Whats in it for you
As well as a competitive salary (up to 37000 dependent on experience) we offer an annual performance related bonus (up to 10% of base salary) based on individual and company addition a generous contributory pension scheme through Hargreaves Lansdown life assurance 25 days annual leave (plus bank holidays on top) with the option to buy/sell up to 5 additional days (terms apply). In addition you will receive an extra day paid annual leave for Volunteering.
Wellbeing is also high on our agenda and we offer private healthcare through addition all colleagues have free access to BHFS Rise EAP to support their health and wellbeing. We also offer free eye test vouchers and discounted gym membership and if thats not enough we also offer season ticket travel loans (if applicable).
Caught your attention If so wed love to talk to you and tell you more about what its like to work at Castle Trust Bank The Place To Work!
Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit.
We are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities please contact
Required Experience:
IC
Key Skills
- ISO 27001
- Microsoft Access
- Risk Management
- Financial Services
- PCI
- Risk Analysis
- Analysis Skills
- COBIT
- NIST Standards
- SOX
- Information Security
- Data Analysis Skills
About Company
The journey so far Castle Trust Bank was launched as 'Castle Trust' in October 2012 with backing from leading US private equity firm J.C. Flowers & Co., initially offering investment products and specialist mortgage finance. J.C. Flowers & Co. continue to be Castle Trust Bank's princ ... View more
