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
- Senior Credit Analyst in the Personal Current Account Credit Risk team. Responsible for developing risk strategies for new and existing customers and supporting vulnerable individuals.
Responsibilities
- Work with tools like SAS and Excel to manipulate and interrogate data within a robust control environment.
- Monitor portfolio performance and conduct deep dives to uncover trends and opportunities.
- Oversee and develop credit strategies to ensure we lend responsibly to our customers.
- Deliver regular high-quality trusted reporting and insights to support customer needs.
- Collaborate across Credit Risk, Product, and Risk Infrastructure to safely deliver change and support growth opportunities.
- Develop actions that balance risk and reward while supporting business goals.
- Present insights to senior colleagues and champion improvement and automation.
- Mentor junior team members and stay informed on industry, regulatory, and data developments.
Requirements
- Strong numerate skills - Comfortable working with numbers and have either a degree in a numerate subject or equivalent quantitative experience gained in previous roles.
- Coding experience - Practical experience of using analytical software and coding, such as SAS, and be confident in using Microsoft Office, particularly Excel and PowerPoint.
- Experienced analytical problem solver – strongly evidence the ability to work creatively and accurately with complex data to derive clear insights and answer business questions.
- Effective communicator - Builds positive relationships with partners and able to clearly explain complex issues and insights to different audiences, both verbally and non-verbally.
- Self-starter - Well organised and able to adapt to changing priorities.
- Growth mindset - Proactive in progressing your own personal development and collaborating with others to improve the culture of the wider team.
- Prior experience of credit risk in a retail banking environment, particularly developing and oversighting credit strategies.
Benefits
- A generous pension contribution of up to 15%
- An annual performance-related bonus
- Share schemes including free shares
- Benefits you can adapt to your lifestyle, such as discounted shopping
- 28 days’ holiday, with bank holidays on top
- A range of wellbeing initiatives and generous parental leave policies
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