Credit Analyst
Role Overview
Credit Analyst in the Cards Originations Credit Risk team within the Chief Credit Office.
The team makes automated credit decisions for approximately £8 billion in annual lending across credit card brands.
The team uses analytics to support responsible lending, improve credit strategies and keep the portfolio resilient within risk appetite.
Key Skills for This Role
Full Job Posting
Role overview
Credit Analyst in the Cards Originations Credit Risk team within the Chief Credit Office.
The team makes automated credit decisions for approximately £8 billion in annual lending across credit card brands.
The team uses analytics to support responsible lending, improve credit strategies and keep the portfolio resilient within risk appetite.
What you’ll do
- Use SAS and Excel to manipulate and interrogate data within a robust control environment.
- Carry out analytics to support customer needs and produce regular, trusted reporting.
- Work with credit risk and infrastructure teams to improve credit strategies.
- Look for opportunities to automate and transform processes.
What we’re looking for
- Numerate degree or equivalent quantitative experience, and comfort working with numbers.
- Experience using programming languages such as SAS, SQL or BigQuery, or willingness to learn.
- Curious, analytical problem solver able to draw insight from data and answer business questions.
- Proactive about personal development and collaborative improvement.
- Retail banking credit risk experience is a strong plus, not a mandatory requirement.
Work arrangement
- Hybrid working, with at least two days per week or 40% of working time in the office.
- Role location is stated as Chester or Cardiff.
Hours
- Full time, 35 hours per week.
Salary
- Salary from £30,201; no compensation cadence is specified.
Benefits
- Benefits include pension contribution up to 15%, annual performance-related bonus, share schemes, adaptable lifestyle benefits, 24 days of holiday plus bank holidays, wellbeing initiatives and parental leave policies.
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