Lead Credit Risk Analyst

Role overview

Responsibilities

• Shape and deliver analytics projects, delegating across analysts and offshore teams to meet timelines and quality expectations.
• Influence project planning with stakeholders and sponsors, providing updates and aligning on outcomes.
• Prioritise planned work and manage ad hoc requests through structured replanning and expectation setting.
• Ensure output integrity and accuracy through governance and accountability.
• Develop, implement and maintain data-driven solutions that support growth while reducing risk, bad debt and fraud losses.
• Oversee credit risk MI and provide insight into customer and portfolio behaviour.
• Specify and test solutions and conduct post-implementation reviews to verify implementation and benefits.
• Build relationships across teams and interact with regulators and external suppliers when required.

Requirements

• Experience managing team analytics projects to agreed timelines and budgets.
• Deep knowledge of retail banking products, especially credit products across acquisition, collections and attrition.
• Expertise in statistical models and data-driven credit portfolio rules, performance indicators and key drivers.
• Experience applying credit assessment and credit management methodologies.
• Ability to partner with business and IT teams on strategic change programmes.
• Advanced analytics capability and ability to explain findings in business and financial terms.
• Strong SAS and Python, including complex macros, data extraction queries, structured analysis datasets and statistical tests.
• Ability to present complex statistical concepts clearly to varied audiences.

Benefits

• UK employees have access to professional development opportunities and a competitive pay and benefits package.
• Benefits include private healthcare, enhanced maternity and adoption pay and support, and a contributory pension scheme.