Digital Channels Analyst optimizing user journeys for financial product sales. Collaborating with marketing and product teams to improve user experience and conversion rates.
About the role
- Principal Credit Risk Analyst contributing to the credit risk analytics team at TF Bank. Focusing on statistical modelling for the UK lending landscape and mentoring junior analysts.
Responsibilities
- Contribute to the development, daily management and enhancement of our credit risk analytics capabilities
- Own end to end strategies for some specific population segments
- Collect, analyse, and interpret data from multiple sources including internal systems, open banking and Credit Reference Agencies (CRAs)
- Develop and maintain statistical models, including scorecards, ML models and other credit risk assessment tools
- Provide clear, actionable insights and recommendations to stakeholders across the business
- Work collaboratively with colleagues in the decision sciences and analytics team
- Present complex analytical findings to both technical and non-technical audiences
- Mentor and supervise junior analysts on model and strategy development projects
Requirements
- Bachelor degree in Mathematics, Statistics, Economics, Physics, Computer Science, Engineering, or related quantitative discipline from a well-regarded university
- 6-10 years of experience in analytics, data analysis, or lending/credit assessment within the financial services sector
- Previous experience working for an unsecured lender, preferably on Credit card products (bank, building society, fintech, or similar credit provider)
- Strong analytical and problem-solving abilities with excellent attention to detail
- Proficiency in SQL for data extraction, manipulation, and analysis
- Strong programming experience in Python (ideally for model development)
- Understanding of statistical analysis techniques and data modelling methodologies
- Experience in predictive modelling (logistic regression and GBM knowledge at minima)
- Understanding of machine learning techniques applied to credit risk
- Excellent written and verbal communication skills in English
- Ability to translate complex data into clear, actionable business insights
- Strong presentation skills with experience communicating to diverse audiences
- Proven ability to work effectively in fast-paced environments whilst managing multiple priorities
- Team player
- Knowledge of credit risk regulations and best practices in the UK market (Desirable)
- Experience with data visualisation tools (Desirable)
- Experience of full credit card customer journey (from origination to recoveries) (Desirable)
- Experience with model pipeline maintenance (Desirable)
- Experience with model monitoring (Desirable)
- Experience in analytics/DS project management (Desirable)
Benefits
- Competitive salary and benefits package
- Opportunity to work with advanced analytics and statistical modelling techniques
- Professional development and training opportunities
- Collaborative, inclusive working environment
- Flexible working arrangements
- Career progression opportunities within our growing analytics function
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
Tech skills
Location requirements
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