Credit Risk Analyst

Role overview

Role responsibilities

• Analyze portfolio and model data to identify trends, anomalies, unexpected movements, and emerging risks.
• Support monitoring, investigation, and ongoing enhancement of IFRS 9 models; investigate changes in behavior and performance.
• Gather, validate, reconcile, and manipulate data from multiple sources; support development and structured testing of model components.
• Use Python, SQL, or other analytical languages to investigate data and implement approved changes.
• Produce reports, presentations, and commentary for technical and non-technical audiences.
• Document methodologies, assumptions, testing, limitations, and outcomes; prepare materials for risk and model governance committees.
• Improve and automate repeatable monitoring and reporting processes; support audit, assurance, and governance activity.

Essential qualifications and skills

• Degree, normally at 2:1 level or above, in a quantitative or analytical subject such as mathematics, statistics, economics, finance, data science, computer science, or engineering.
• Academic experience in mathematics, statistics, quantitative problem-solving, or data analysis, potentially through a module, project, or dissertation.
• Experience analyzing data and translating findings into clear conclusions or recommendations.
• Strong numerical, analytical, and problem-solving skills.
• Practical exposure to Python, SQL, R, or another analytical language, with ability and motivation to develop technical capability.
• Good working knowledge of Microsoft Excel for organizing, reconciling, manipulating, and analyzing data.
• Structured testing approach, clear evidence of methods and results, clear verbal and written communication, attention to detail, and ability to manage competing priorities.

Desirable experience

• Experience in banking, financial services, credit risk, modelling, or another regulated environment.
• Understanding of IFRS 9 models or credit risk principles; experience in model monitoring, validation, or development.
• Exposure to Databricks or another cloud-based data and analytics platform.
• Experience creating repeatable reports, dashboards, or automated analytical processes.
• Experience preparing analysis for senior stakeholders, governance committees, audit, or assurance review.

Benefits

• Competitive salary and performance bonus based on individual and company performance.
• Contributory pension, life assurance, 25 days of holiday with the option to buy or sell five days, and an additional paid volunteering day.
• Private healthcare, employee assistance support, gym discounts, and season-ticket travel loans where applicable.
• Supportive and inclusive culture.