Accounting/Financial/Insurance

Senior Credit Risk Analyst, Asset Finance

Full Time Permanent

South Wales Jobs

Propel was established in 1996 to provide flexible and accessible finance to SMEs across the country. Now, more than 26 years on, Propel has grown to become one of the UK's largest independent finance houses, helping more than 45,000 businesses to access finance to purchase business-critical equipment and vehicles quickly and easily.

We are an award-winning and progressive business, and with one eye on the future, no two days will be the same, no matter what your role. Customers are at the heart of everything we do, and it is the way that we do business, and the technology we deploy to support customers which keeps them coming back to us

The Role

Responsible for building, developing, and maintaining a wide range of statistical models and scorecards to manage credit risk assessments at application and behavioural levels. You will also be responsible for portfolio analysis and be able to give insight and recommendations to the Head of Credit, Credit Committee and Executive Committee. You will have a strong statistical background with technical expertise balanced by management of credit portfolios in business-to-business lending environments. This role offers the opportunity to drive transformation in our credit modelling and analytics through the use of data.

This role can be remote or hybrid with occasional travel to Newport, Wales.

Key Responsibilities

Driving up levels of automated credit decisioning whilst maintain controls on credit losses

Reporting and presentation of credit risk metrics to senior management at monthly credit reviews

Understand and keep under review the individual rule sets behind the scorecard

Monitor scorecard performance

Investigate and implement changes to the rule set to improve optimisation of performance of scorecard

Review scoring in line with current and anticipated economic conditions to minimise making changes when appropriate to mitigate external conditions

Stress testing scorecard models

Monthly governance of models and oversight of framework

Collaborate with wider teams to continually assess risks

Working on key initiatives and projects with Experian and other external providers

A member of the Data Team you will bring data to life and articulate meaning, key trends, and strategies for the credit portfolio

Essential requirements

Proven track record of building a wide range of statistical models, analytics & scorecards

Scorecard model development techniques and rule refinement

A proven background in delivering and optimising risk strategies through statistical analysis

Excellent analytical and problem-solving skills

An ability to interrogate and manipulate large volumes of data to create insights

Highly proficient with SAS, Python, R or similar for data analysis

An ability to take high level requests and transform them into specific deliverables or pieces of analysis

Experience of working in a high-volume Commercial Credit Risk environment

Degree educated in Mathematics or similar, or equivalent experience

Asset Finance and/or Financial Services

Numerate and analytical thinker. Identify opportunities to drive appropriate action from data.

Strong communications skills with evidence of influencing stakeholders and proposing robust strategy recommendations

Ability to translate complex data into insights that the business can act on

Strong attention to detail

A self-starter who is confident to make decisions

Desirable requirements

Tableau or equivalent data visualisation software for presenting insights

SQL

Any exposure to machine learning

Probability of default and loss given default project implementation

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