Job Vacancy

Credit Risk Analyst

Who are we?

We are on a mission to transform the way that low-income households access affordable financial products. Our people are the ones who make that possible. You would be joining a team of committed and talented individuals delivering a customer first experience in community finance.

The Opportunity

Do you want to join a growing innovative leader in alternative lending who give small loans that make a big difference? If you do, we are looking for great people to help us do great things!

The Credit Risk team is responsible for credit risk management across the entire customer journey. The Credit Risk Analyst is responsible for a wide range of activities including supporting the ongoing review of credit policy across all lending products and channels.

They are responsible for the reporting and the analysis of lending performance across the portfolio and will use insight from this analysis to develop proposals to adjust lending strategy to ensure a customer first approach whilst at the same time protecting the business. They will work directly with the credit decisioning system to ensure delivery and management of automated decisions that support efficient and cost-effective customer management across the product range with minimal levels of manual intervention.

What are the key responsibilities of the Credit Risk Analyst?
  • Supporting the development of credit risk policies including credit scoring to support Moneyline’s growth ambitions whilst maintaining control of credit quality and performance
  • Performing regular credit reporting and investigative analysis to monitor performance and identify improvements to policies and procedures.
  • Assisting with the development and implementation of credit risk MI to ensure the effective and ongoing monitoring of all credit risk strategies
  • Ensuring that all credit data and credit models are thoroughly and accurately documented and tested.
  • Assisting with the design of champion/challenger tests to continually improve and refine lending strategies.
  • Assisting with the implementation of credit strategy into the credit decisioning system.
  • Undertaking ad hoc work as directed by line manager from time to time.
Who are we looking for?
  • Data interpretation/interrogation skills, including data manipulation and analysis techniques, to create meaningful insight
  • Proficient user of Python, R or similar
  • Proficient MS Office skills, in particular MS Excel
What softer skills are we looking for?
  • Good verbal and written communication skills
  • Ability to build effective working relationships with stakeholders
  • Strong attention to detail
  • Ability to adapt in a high change environment subject to external and internal influences
  • Proactive, hardworking, flexible and able to work under own initiative
  • Highly numerate, preferably backed by a strong quantitative degree
What experience might you be bringing?
  • Any work experience you have gained prior to or during your degree would be helpful but is not essential as you will learn on the job and with relevant professional training.
What would you get in return?
  • Up to £24,000p.a.
  • 25 days holiday + bank holidays.
  • Flexible working with occasional travel to Accrington, Lancashire.
  • Private pension scheme.
  • Employee assistance programme.
  • Continuous development – professional qualifications.
  • Medical cash plan – that reimburses the cost of optical/dental/other appointments/treatments.
  • Group Life insurance – 3 x times annual salary.
Where do I apply?

If this sounds like a role you’re interested in, all you need to do to start your application is submit an up-to-date CV and a cover letter briefly explaining what interests you in the role by Monday 18th April 2022.

Take a look at our website and our impact pages to find out more about our pioneering work in the UK purpose driven finance sector.

Closing date for applications: Monday 18th April 2022.

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