Senior Credit Risk Analyst - MERJE | Niche Recruitment
BRINGING TALENT TOGETHER
0203 637 1600 / 0161 883 2740

Senior Credit Risk Analyst

North West | £40,000 - £45,000 | Permanent

To support the business and their manager in generating insight, plans, controls, processes, revisions are required in a timely, effective and intuitive manner

 

 

The Client- A well known Bank

 

This Client does not provide sponsorship.

 

The role-

 

  • Support the development of risk appetite limits and risk models through application of key risk drivers as directed.
  • Undertake analysis to support /help determine the development of credit risk strategies and controls to ensure that new lending is underwritten in accordance with the Credit Risk Principal Risk Policy and Credit Risk control Standard and risk appetite of the business, including appropriate credit score cut offs, refer/decline rules, risk based pricing strategies, limit strategies, affordability assessments and cross sell eligibility at the point of application.
  • Monitor and report on the profile of business written against plan and key drivers of risk, highlighting variations and recommending actions as appropriate.
  • Review the effectiveness of credit risk controls and strategies including performance against key risk indicators, benchmarking against other lenders and analysis of actual performance against expectations
  • Undertake the development, maintenance and reporting of appropriate credit score cut offs and risk based pricing strategies.
  • Provide input to ensure that all scorecards and associated decisions are built, operate and are calibrated in line with expectations. Are up to date and reviewed on a regular basis.
  • Review and investigate product and service design to ensure that appropriate account of credit risk and that appropriate controls are in place to manage those risks.
  • Investigate issues identifying and highlighting trends and emerging issues, together with the identification and development of appropriate solutions to improve the customer experience and business performance.
  • Deliver analytical management information and analysis to support senior management requests.

Key Requirements:

  • Educated to degree level in an analytical discipline. Ideally a further high level qualification in mathematics / statistics
  • Strong mathematical skills.
  • Experience of credit risk management and associated analytical techniques and practices.
  • Good communication (written and verbal) skills, including well developed presentation skills.
  • Understanding of Customer Acquisition and Management processes, systems and practices along with commercial, financial and legislative requirements and issues affecting the wider financial services industry.
  • Proportionate influencing and negotiation skills.
  • Understanding of Credit Reference Agencies and their data.
  • Understanding of Retail Bank data infrastructure and decision systems in respect of the Retail asset base
  • Ability to analyse and present data & information using industry standard interrogation and statistical packages (SAS, SPSS et al).
  • Planning and organisation skills – including the ability to deliver under high pressure and time limited scenarios.

 

Senior Credit Risk Analyst | Manchester

To discuss this position further contact:

Nuhaa Mohamed
0161 883 2762 / 07746 521 401
nmohamed@merje.com

Ref code: NM/13724
Date posted: 14/07/2017

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What people say about us...

 

Customer Contact Testimonial One

What makes the difference between MERJE and other agencies is the simple principle that they take the candidates seriously and are absolutely open and honest. A consistent factor is that they never disappear; candidates are supported before and after interviews, and receive constructive feedback from agents who are always professional.

Process Improvement Manager, Global Financial Services Organisation

2015-06-18T14:34:49+00:00

Process Improvement Manager, Global Financial Services Organisation

What makes the difference between MERJE and other agencies is the simple principle that they take the candidates seriously and are absolutely open and honest. A consistent factor is that they never disappear; candidates are supported before and after interviews, and receive constructive feedback from agents who are always professional.

Financial Crime & Fraud Testimonial One

MERJE has a very good understanding of the AML markets and won’t put someone forward if they don’t think they’re capable or qualified. They regularly update you and you get the sense that they care about their clients, as well as the person they’re putting forward. All-in-all an excellent experience.

Deputy MLRO, Corporate Bank

2015-06-18T14:35:42+00:00

Deputy MLRO, Corporate Bank

MERJE has a very good understanding of the AML markets and won’t put someone forward if they don’t think they’re capable or qualified. They regularly update you and you get the sense that they care about their clients, as well as the person they’re putting forward. All-in-all an excellent experience.

Risk Management Testimonial One

MERJE was not only very well organised, they had good communication skills and, more importantly, a thorough understanding of the business I was joining. They provided excellent guidance and support throughout a challenging process and the role has presented exactly the right challenge at this stage in my career.

Senior Risk Manager, Commercial Lender

2015-06-18T14:36:33+00:00

Senior Risk Manager, Commercial Lender

MERJE was not only very well organised, they had good communication skills and, more importantly, a thorough understanding of the business I was joining. They provided excellent guidance and support throughout a challenging process and the role has presented exactly the right challenge at this stage in my career.

Public Practice Testimonial One

MERJE were an excellent help and have successfully placed over 5 candidates with me over the past 2 years. I always find their candidates to be more experienced than their competitors and they take a genuine approach to their work. They are very professional and friendly and I would highly recommend their services to potential clients who are looking to recruit.

Audit Manager, Top 50 Accountancy

2015-06-18T14:37:24+00:00

Audit Manager, Top 50 Accountancy

MERJE were an excellent help and have successfully placed over 5 candidates with me over the past 2 years. I always find their candidates to be more experienced than their competitors and they take a genuine approach to their work. They are very professional and friendly and I would highly recommend their services to potential clients who are looking to recruit.

Wealth Management Testimonial One

MERJE has been a breath of fresh air, working with such personable, professional and pleasant recruitment professionals. They have restored my faith in recruiters and they stand out above the rest in the wealth management space. I would highly recommend their services to any of my friends or colleagues.

Wealth Manager, Private Bank

2015-06-18T14:38:05+00:00

Wealth Manager, Private Bank

MERJE has been a breath of fresh air, working with such personable, professional and pleasant recruitment professionals. They have restored my faith in recruiters and they stand out above the rest in the wealth management space. I would highly recommend their services to any of my friends or colleagues.

Contingency Recruitment Testimonial One

MERJE really understands the markets that they operate in and goes to considerable lengths to really understand their clients’ needs. Finding exceptional candidates in the very competitive financial services world is extremely difficult. MERJE has consistently sourced excellent candidates for us. I cannot recommend MERJE highly enough.

COO, Management Consultancy

2015-06-18T14:38:46+00:00

COO, Management Consultancy

MERJE really understands the markets that they operate in and goes to considerable lengths to really understand their clients’ needs. Finding exceptional candidates in the very competitive financial services world is extremely difficult. MERJE has consistently sourced excellent candidates for us. I cannot recommend MERJE highly enough.

Retained Assignment Testimonial One

I was tasked with recruiting an entire risk and compliance function and met with MERJE to discuss our requirements. I left them to do the rest – and they did. They know the market and took the time to listen and understand our culture, providing good quality candidates. They are now our ‘go-to’ company.

Talent Attraction & Selection Manager – UK Insurer

2015-06-18T14:39:37+00:00

Talent Attraction & Selection Manager – UK Insurer

I was tasked with recruiting an entire risk and compliance function and met with MERJE to discuss our requirements. I left them to do the rest – and they did. They know the market and took the time to listen and understand our culture, providing good quality candidates. They are now our ‘go-to’ company.

Interim Appointments Testimonial One

MERJE helped me make my first steps into the interim market, from finding my first role, to setting up as a contractor and getting paid! Regular contact at key points gives me the assurance they’re working on my behalf. They’ve been extremely helpful through some difficult times; they’re a trusted source of information and guidance.

Interim Support Advisor, Leading Banking Group

2015-06-18T14:40:06+00:00

Interim Support Advisor, Leading Banking Group

MERJE helped me make my first steps into the interim market, from finding my first role, to setting up as a contractor and getting paid! Regular contact at key points gives me the assurance they’re working on my behalf. They’ve been extremely helpful through some difficult times; they’re a trusted source of information and guidance.

Finance & Accountancy Testimonial One

I was very pleased with MERJE’s approach and particularly their understanding of the client. The recruitment process ran smoothly from start to finish and they demonstrated high levels of customer service throughout. I would not hesitate in working with MERJE again, or recommending their services within the finance space.

Group Treasurer, Property Developer

2015-06-18T14:20:21+00:00

Group Treasurer, Property Developer

I was very pleased with MERJE’s approach and particularly their understanding of the client. The recruitment process ran smoothly from start to finish and they demonstrated high levels of customer service throughout. I would not hesitate in working with MERJE again, or recommending their services within the finance space.