Senior Credit Risk Analyst (Lead) - Consumer Lending

This rapidly expanding financial services company are seeking a Senior Credit Risk Analyst to join their Consumer Lending function. Working with the Commercial Director you will develop credit risk analytics / scorecard modelling solutions to enhance Credit Scoring & Lending decisioning to optimise and grow their loan portfolio.

Key Responsibilities:

• Developing and implementing advanced statistical / scorecard models to predict credit risk, optimise credit scoring, and enhance decision-making/underwriting processes.
• Develop and maintain predictive models to assess credit risk and forecast customer behaviour.
• Analyse large datasets to identify trends, patterns, and insights that inform business decisions.
• Perform data cleaning to ensure high-quality data for analysis,
• Conduct A/B testing and other experiments to evaluate the impact of credit strategies and policies.
• Develop credit risk models, such as probability of default (PD) using various modelling techniques.
• Working independently and presenting findings and recommendations to stakeholders in a clear and concise manner.

Key Skills / Experience:

• Experience in the Financial Services Industry (Essential)
• Experience working with large data sets (Essential)
• Proficiency in Python, R, SQL or other programming languages (Essential)
• Proficiency in Excel (Essential)
• Strong presentation skills, including the ability to translate complex data into understandable insight (Essential)
• A great attention to detail and be process-oriented to review, suggest and implement improvements where appropriate. (Essential)
• Able to work in a fast paced, changing environment.(Essential)
• Degree in relevant subject (Data Science, Statistics, Computer Science, Economics or similar degree) (Preferable)
• Experience using Salesforce and data visualisation tools (Preferable)