Jobs in Credit is the only job site dedicated to recruitment within the UK credit industry, we only advertise jobs which are related to the credit process or are within credit focused organisations. We also offer credit and recruitment related value added services.
A fabulous career opportunity has arisen for a Senior Analyst to work within the Management Intelligence & Reporting team. The successful applicant will ensure that accurate, consistent and appropriate Management Information is obtained on the overall £345bn secured portfolio and that that high quality value adding analysis is produced for portfolio, customer and product segmentation.
Job Description
• Interrogate Credit Risk Systems using Base SAS and other data environments and sources in order to produce secured credit risk related MI.
• Collate and rationalise multi brand data to produce detailed view on numerous segments and splits of the secured portfolio.
• Proactively stress and analyse MI to identify risk characteristics, potential issues or trends in the management of the £345bn secured portfolio.
• Be able to create, adapt and improve reporting & analytical processes and develop creative solutions to portfolio related issues.
• Be experienced in data interpretation with the ability to work under pressure to a high level of detail and accuracy
• Lead Analysts and provide pro-active insight into the key drivers of credit performance.
• Provide technical leadership and coaching to junior team members, and help identify methods that could be used in other areas of Secured risk
Skills & Experience Required
• A good degree in a numerate subject preferably in a relevant subject (maths, statistics, operational research, economics) or significant relevant experience within a Retail Credit Risk environment
• Good knowledge of modern risk management techniques within Retail Banking, and a good understanding of the secured lending markets.
• Must have significant experience of Base SAS or SAS Enterprise Guide, some exposure of SPSS, SQL or other similar statistical / analytical packages is advantageous.
• Experienced in the extraction and manipulation of data to support portfolio stress tests, including external economic modelling and /or portfolio evolution.
• A high level of creativity, drive, innovation and initiative, with good time management skills.
• A natural ability with numbers, with the ability to work quickly and at a high level of detail and accuracy.
These positions are based in either Wolverhampton, Gloucester or Halifax.
Please send your CV to info@aspiredata.co.uk or contact us on 0845 850 4045.
Oversight of the management of market, credit, insurance and liquidity risks ensuring the control framework for this is consistent with corporate risk appetite. To co-ordinate the operational monitoring and review of financial risk management activity ensuring completeness and accuracy of key risk indicators in this area. To develop and produce corporate level MI on financial risk to ensure the executive team are fully aware of all material financial risks taken and receive an independent view on the adequacy of their management. To influence senior management and the executive team to continually enhance corporate understanding and effective management of risks being undertaken. To support the development Solvency II enhancements in the risk management arena including a compliant ORSA take responsibility for delivering it when the Solvency II project is complete Challenge financial risk management activities throughout the business.
Solving complex business problems and providing practical value based solutions. Taking accountability for an area of credit policy, or a suite of risk models, monitoring performance, clearly communicating issues, developing and recommending changes where appropriate. Ensuring that strong links are maintained between Risk and other key business areas.
Examples of the business scale the roles cover include:
Hundreds of £m’s annual credit losses. Credit policy for £100bn+ Mortgage portfolio. Account limit management for entire current account base of 5m+ customers. Developing and maintaining credit policy for £1.5bn+ annual Unsecured Loan lending.