Job Description

Credit Risk Analyst
PCD320160

About the organisation:

We can be flexible with the structure of our interview process if someone's circumstances or timescales require it but our general structure is:

People Screen - 30 mins
Interview with the Head of Lending - 45 mins.
A technical case study - 30 mins.
Face to face meeting with members of the team in our London office.

Please let us know if you have any specific requirements or need assistance so we can be as accommodating as possible for you.

Benefits

We know that attracting and retaining the best talent means offering top-notch benefits that help our employees thrive both in and outside of work. Check out what we currently offer:

Generous holiday time: 25 days annual leave, 8 bank holidays, 1 the organisation holiday (June 24th), and 1 day off during the week of your birthday.
Personal days: We know that life can be unpredictable, so we offer 3 personal days to use as needed.
Employer-sponsored volunteer program: We're passionate about giving back to our community, and we support our employees in doing the same with up to 4 hours per month of employer-sponsored volunteer time.
Mental health support: We care about the mental health of our team members and offer access to Spill, our mental health support partner.
Workplace pension: We want you to feel secure about your future, so we offer a workplace pension with a 5% employee contribution and a 3% employer top-up.
Top-notch equipment: We provide top-of-the-line equipment necessary for smooth hybrid work, including a MacBook laptop. Additionally, we also offer support in establishing your home office by contributing towards your setup if required.
Modern office: When you're in the office, you'll enjoy access to our modern, bustling workspace in Central London.
Cycle to Work scheme: We encourage sustainable transportation with our Cycle to Work scheme.
Electric Car scheme: We're committed to reducing our carbon footprint, and our Electric Car scheme makes it easy for our employees to do the same.
Enhanced parental leave: We know that family comes first, and we offer an enhanced parental leave policy to support our employees in starting and growing their families.
Room for growth: As a fast-paced, high-growth start-up, we're dedicated to providing our employees with room to grow and excel.
You get full healthcare for you and your nuclear family via Vitality.

Hybrid Working

At the organisation, we have a hybrid/ flexible policy that gives both individuals and teams a lot of freedom when it comes to using the office space to boost productivity. Our London office is a great resource to collaborate and candidates should be able to attend 1-2 days per week regularly to align with how we work at the moment.

Diversity and Inclusion

We wholeheartedly uphold our commitment to fostering a diverse and inclusive workplace. Every employee is highly regarded, respected, and supported without any form of judgement or prejudice. We consider Diversity, Equality, and Inclusion as fundamental pillars guiding our path in all aspects of our bank. We also ensure that reasonable adjustments are made available to all candidates throughout the recruitment process.

To all Recruitment Agencies

At the organisation, agency resumes are strictly prohibited. Do not submit agency resumes or forward them to our job advertisements or the organisation employees. Be aware that the organisation will not assume any responsibility for fees incurred due to unsolicited resumes.

Requirements
Experienced UK consumer credit risk analyst.
Comfortable with credit bureau files and their application in origination scorecards.
Familiar with transaction data (Open Banking) and its interpretation, for affordability and vulnerability identification.
A pragmatic, data-first mindset. It's how you'll identify opportunities and communicate the expected impact of policy changes and the analysis provided to the business. Experience using SQL and data management practices.
Ability to communicate clearly and succinctly to other credit professionals, and others in the business including our Operations, Finance, Compliance, Product and Engineering.
Takes initiative and has a natural curiosity to follow the analysis.

Location
London, United Kingdom

Salary
Competitive