Senior Credit Risk Analyst

Join the Close Brothers Credit Risk team where you will work as part of a team of analysts to develop, deliver and monitor credit risk strategies.,

• Undertake analysis of Credit acquisition strategy and processes to provide insight and recommendations to Credit management to improve and optimise Credit decisioning strategy
• Set and monitor Motor credit risk performance against agreed plans, targets and budgets and work with the Credit Manager to propose and agree actions required to address any performance issues and/or to capitalise on opportunities
• Develop and present high quality credit risk related MI and insight to Credit management, Credit Committees and other major stakeholders to support informed decision making
• Maintain and provide input for relevant Credit Policies to ensure the delivery of business objectives and alignment with Group Credit Risk Standards
• Ensure compliance with prudent underwriting standards and assist Operations to ensure that Motor's bad debt is managed appropriately, and all processes comply with the regulatory guidance
  
  Working as part of the Credit Risk team, our ideal team member will have previous experience in designing and implementing Credit acquisition strategy with excellent analytical skills., You have experience of designing and implementing Credit acquisition strategy including the setting of credit and affordability strategies, policies, underwriting, bureau data and credit systems
• You have a strong analytical mindset to be able to understand and investigate complex issues in a methodical manner
• You have strong coding skills, with experience using tools such as SAS, SQL, Alteryx, Business Objects or other similar data analytical tools
• You have strong written and verbal communication skills with the ability to interact and communicate complex information to senior management and non-credit colleagues
• Ability to work independently as well as part of a team, with the ability to support, coach and encourage other team members
IT IS NOT ESSENTIAL BUT IT WOULD BE GREAT IF YOU:
• Have an understanding and / or experience of credit scorecards in a retail or commercial environment
• Have experience of consumer and commercial underwriting, credit bureau data and reports, business accounts etc
  
  At Close Brothers we support employees to balance their work life priorities and in this role you will be able to enjoy a mixture of hybrid working.
Close Brothers is a leading UK merchant banking group providing lending, deposit taking, wealth management services and securities trading. At Close Brothers we provide financial support and advice to small businesses and individuals in the UK. Our purpose is to help the people and businesses of Britain thrive over the long term., Close Brothers is a leading UK merchant banking group providing lending, deposit taking, wealth management services and securities trading. We employ over 3,500 people, principally in the UK. Close Brothers Group plc is listed on the London Stock Exchange and is a member of the FTSE 250.We remain focused on markets and services we know and understand, developing leading positions and unrivalled expertise. Our approach is prudent and considered enabling us to grow sustainably, through all market conditions, building confidence among our depositors and investors. Our businesses have remained local as we continue to provide bespoke services, and developing long-term relationships ensuring our success in the future. We value our clients over everything else. What they do is important - they are the doers and makers of things, the wealth creators, the investors and the savers. We ensure our services meet their specific needs and invest to support them as they grow. These principles, founded in our past but applied to the modern world today, represent what we describe as 'modern merchant banking' - values that are embedded in our culture and that underpin everything we do.