Credit Risk Analyst

Aldermore Group why we exist

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 theirbusinesses; we givefirsttimersaleguponto the property ladder; weopen upthe lending market to many; and thousands of customers chooseBusinessFinance every week to buy their next carvanor 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

This isa great opportunityto join Business Finance as a Credit Risk Analyst working at the heart of dataanalyticsanddecisionmaking. As afrontlinerole within the Financial Risk teamyoullgain exposure across a broad range of credit risk activities including portfolio analysis credit policymodelsandautodecisioningstrategies.

Youllplay a key role in applying analytical rigour to both daytoday questions and wider strategic challenges assessing riskidentifyingtrendsand uncovering opportunities to support sustainable business growth. This role is well suited to someone who enjoys problemsolving working with data and turning insight into clear meaningful recommendations that influence real outcomes.

What will your day look like

• Produce meaningful insights dashboards and analysis for committees and stakeholders
• Analyse credit risk profiles across Business Finance identifying trends in key credit metrics
• Use data to enhance and challenge autodecisioning strategies and lending criteria
• Support the development and maintenance of credit application models
• Deliver actionable insights across customer broker commercial performance and credit risk themes
• Support reviews of pricing and return on capital to optimise risk and reward
• Identify gaps in analytics and help prioritise development to strengthen capability across the team

What do we expect from you

• Strong data analysis and statistical capability using tools such as SAS Python R Tableau or Power BI
• Ability to extract insight from complex data and translate it into clear actionable recommendations
• Strong communication skills with the confidence to present insights to technical and nontechnical audiences
• Curiosity and interest in understanding business and credit models
• Familiarity with external data sets and comfort using AI solutions to drive efficiency
• Some experience in credit risk or a regulated financial services environment is an advantage

What can you expect from us

• A hybrid working policy 2days per week onsite in one of our offices
• 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.

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.