Senior Credit Risk Analyst
New
T
Tandem BankBanking
Remote, United Kingdom Flexible - Embrace fully UK remote or hybrid work from any of our vibrant UK offices in London, Cardiff, Durham or Blackpool.Full-TimeSenior
Salary50,000 - 60,000 GBP per year
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Job Details
- Required Skills
- SQLAnalytical SkillsMicrosoft Excel
Requirements
- Strong experience in credit risk strategy or decisioning analytics within a banking or consumer lending environment.
- Proficiency in SQL, SAS and Excel (Advanced) with a credit risk modelling and scorecard environment.
- Hands-on experience managing or using application scorecards and credit decision frameworks.
- Strong analytical capability, with the ability to translate complex analysis into clear strategic recommendations.
- Experience producing high-quality MI and presentations for senior stakeholders and governance forums.
- Good understanding of the end-to-end credit lifecycle, particularly the front-book / applications stage.
Responsibilities
- Designing, reviewing and optimising applications credit risk strategies, including policy rules, scorecard cut-offs and affordability decisioning.
- Managing the ongoing performance of application scorecards, identifying emerging risk, performance drift or opportunities to improve risk-return outcomes.
- Supporting the development, enhancement and implementation of new scorecards and segmentation approaches in partnership with Credit Analytics and Model Risk teams.
- Producing clear, decision-focused MI and analysis covering application volumes, approval rates, risk performance and strategy impacts.
- Delivering insight and recommendations to senior management and Credit Committees, contributing to strategy papers and governance submissions.
- Leading or supporting the deployment of credit strategy changes into live decisioning environments, ensuring changes are well-controlled and appropriately governed.
- Monitoring post-deployment outcomes to confirm strategies perform in line with expectations and the Bank’s risk appetite.
- Working closely with Product, Underwriting, Technology and Operations to support new product launches, policy changes and strategic initiatives.
- Helping to continuously improve credit strategy frameworks, documentation and controls, ensuring alignment with regulatory and internal standards.
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