Role Overview\u00a0<\/p>\n
\tAs the Junior Credit Risk Analyst, you will help the business get more value out of every data source it touches. Working closely with senior analysts and the Credit Risk Executive, you will gather, clean and combine data from across the group, the credit bureaux and alternative data sources, and turn it into analysis that informs strategic credit risk decisions.
\n\tThis is a hands-on, learning-rich role for an early-career analyst who is curious about data and wants to see their analysis drive real decisions across underwriting, limits, collections and portfolio monitoring.<\/p>\n
More about the role<\/p>\n
\tSource, extract and prepare data from across the group, credit bureau feeds and alternative data sources, building clean, reliable datasets for analysis
\n\tHelp identify and unlock new value from existing and emerging data sources \u2013 spotting useful signals, new attributes and data quality issues
\n\tUse SQL\/Python\u00a0 to obtain data from the Data Warehouse and support the maintenance of analytical data assets
\n\tPerform ‘what if’ and ad-hoc analysis to support credit strategy across acquisition, limits, collections and recoveries
\n\tSupport the monitoring of risk-based strategies in acquisition to ensure only customers with the correct risk levels are acquired
\n\tHelp review credit limits to ensure the business exposure strategy is met
\n\tBuild and maintain reporting and dashboards that track credit quality of business booked and the credit portfolio
\n\tSupport the development and back-testing of scorecards and predictive models
\n\tUse a data-oriented approach to work with others in solving business problems around profitability, marketing, risk and operations
\n\tAssist the Credit Risk Executive and senior analysts on key projects, ensuring strong planning and communication throughout<\/p>\n
More about you<\/p>\n
Experience & Skills<\/p>\n
\tA minimum of 1\u20132 years’ experience in Credit Risk, data analytics or a related field (recent graduates with strong analytical internships will be considered)
\n\tA numerate degree e.g. BCom, B Bus Sci, B Eng, BSc
\n\tGood computer literacy skills with proficiency in MS Excel
\n\tThe ability to creatively solve problems
\n\tThe ability to interrogate and interpret numerical and statistical information<\/p>\n
Advantages<\/p>\n
\tSQL & Snowflake
\n\tExposure to credit bureau and\/or alternative data sources
\n\tPython\/R or equivalent
\n\tRetail credit or BNPL experience
\n\tUse of Gen AI<\/p>\n
Attributes & Behaviours<\/p>\n
\tNatural curiosity around data and problem solving
\n\tStrong analytical skills and a self-motivated driver of performance
\n\tProactive and able to identify, highlight, analyse and action based on information available
\n\tAble to work with other areas to ensure analytical outputs can be driven through to execution to create value
\n\tExcellent interpersonal communication (verbal & written), assertiveness and judgment skills
\n\tThe ability to simply explain complex solutions
\n\tStrong planning, organising and coordinating skills
\n\tExceptional attention to detail with a thorough approach to work
\n\tA strong can-do attitude and an energetic positive approach
\n\tA solid work ethic and a passion for digital Financial Services
\n\tEager to learn, coachable and entrepreneurial by nature<\/p>\n
go to method of application \u00bb<\/p>\n
Apply via company website ( ) or<\/p>\n
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