Lead Credit Risk Analyst | S3 | Unsecured Credit Risk | Multiple Locations | Internal Mobility

IT STARTS HERE

Santander () is evolving from a global high-impact brand into a technology-driven organisation and our people are at the heart of this journey. Together we are driving a customer-centric transformation that values bold thinking innovation and the courage to challenge whats possible.

This is more than a strategic shift. Its a chance for driven professionals to grow learn and make a real difference.

Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Retail & Commercial Banking is a global business integrating all our retail and commercial banking activities to better serve our customers improve efficiency and drive value creation.

THE DIFFERENCE YOU MAKE

Santander is looking for a Lead Credit Risk Analyst based in either Milton Keynes Manchester or Glasgow.

As a Lead Credit Risk Analyst you will play a pivotal role in shaping how we manage risk across Santanders Retail Unsecured portfolios. Working as part of a collaborative team you will apply and further develop your credit risk expertise throughout the product lifecycle while partnering closely with stakeholders across the business.

• Applying your ability to use industry leading analytical techniques to lead analysis into the performance of existing Credit Risk policy and identifying areas where policy can be simplified or enhanced.
• Using your high degree of expertise in the use of statistical software.
• Working effectively with a range of other business areas to support the implementation of changes to Credit Risk policies and strategies.
• Working autonomously requiring very little guidance from management to complete complex work.
• Providing analysts within the team with help and guidance to support them in both the delivery of their work and their personal development.

WHAT YOULL BRING

Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organisation. Were enabling teams to go beyond by valuing who they are and empowering what they bring.

The following requirements represent the knowledge skills and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Professional Experience:

• Proven track record of developing implementing and optimising credit risk strategies across the customer lifecycle (Required)
• Excellent project management skills with experience of owning end-to-end analytical projects (Preferred)
• Awareness of credit industry products and markets (Preferred)

Education:

• Degree level in a numerate subject (e.g. Maths Statistics Operational Research Physics or Engineering ideally 2:1) and/or equivalent qualifications/experience (Preferred)

Hard Skills:

• Proven experience of using statistical programming tools e.g. SAS Python (Required)
• Understanding of credit bureau data affordability metrics and regulatory requirements relevant to unsecured lending (Preferred)

Soft Skills:

• Excellent stakeholder management and communication skills both written and verbal with the ability to influence at all levels including non-technical audiences (Preferred)
• High attention to detail combined with the ability to think strategically and creatively (Preferred)
• Commercial mindset with a solid focus on balancing growth risk and customer outcomes (Preferred)

WE VALUE YOUR IMPACT

At Santander your contribution matters. We recognise the difference you make every day and we make sure you feel valued supported and rewarded in return.
Here recognition goes beyond pay. Its about the pride you feel in your work the impact you have on customers and communities and the opportunities you have to grow and thrive personally and professionally.

Salary Range:
59200.00 - 88800.00 per annum (depending on experience)

This salary range represents the expected remuneration for the role. Annual salary is based on a standard 35-hour working week. Actual salary offered will depend on skills experience qualifications and location.

• Competitive rewards that reflect the real impact you make and the value you bring.
• Wellbeing that goes beyond work we work with a range of wellbeing partners across our 4 pillars of wellbeing (physical mental social and financial) to give you access to a suite of apps discounted gym and fitness access weekly online classes flexible healthcare and mental health support.
• Support for every life stage from menopause and pregnancy to parenthood and beyond with enhanced family leave childcare options and tailored wellbeing support.
• Time to give back through volunteering opportunities that let you make a difference in the communities we serve.
• Global growth opportunities to shape your career learn new skills and explore whats possible across our international network.

Ready to be recognised It starts with you.

LOCAL COMPLIANCE

At Santander were proud to be an inclusive organisation that provides equal opportunities for everyone regardless of age gender disability civil status race religion or sexual orientation.

Were committed to creating a recruitment experience thats accessible fair and welcoming for all candidates.

We want our people to thrive at work and at home while delivering the best outcomes for our customers and supporting each other to grow.

To make this possible our roles are site-based with a hybrid working pattern where colleagues are expected to attend the office at least 12 days per month (pro-rata for part-time roles).

When applying please consider the travel distance time and cost to your chosen office locations.

We welcome applications on the understanding that should you be offered this role there may be no relocation package available. Santander will pay the employer mandatory government fees that are required to pay in connection with visa may be liable for your own personal employee immigration and relocation costs.

WHAT TO DO NEXT

If this sounds like a role you are interested in then please apply.

For further Guidance please visit Internal Mobility - Candidate Guidance.

If you want to know more about the opportunity:

Please contact Charlotte Oates

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