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Credit Risk Analytics & Underwriting Specialist

  • Location

    Staines, UK

  • Sector:

  • Job type:


  • Contact:

    Jevon Barnes

  • Contact email:

  • Salary high:


  • Salary low:


  • Job ref:

    Credit Risk Analytics & Underwriting Specialist

  • Published:

    over 1 year ago

  • Expiry date:


  • Startdate:


Working as a key member of the portfolio analysis team to ensure the Credit Risk function is robust and managed within the key requirements of the business. The ideal candidate will have a very strong background in analytics and Credit Risk from a mortgage lending institution, preferably with experience covering the full customer lifecycle, including new lending, account management, fraud prevention and arrears management. This candidate will be a key member of this business, helping drive through improvements and shaping the future of the department.

Major Activities and Responsibilities:

  • Provide business with analysis/insight and recommendations for changes and improvements to product range, application process, strategy design, debt management activities and operations processes
  • Build and Develop capability within the organization to design, monitor and enhance credit risk strategies and policies.
  • Identify opportunities to optimise credit decisions
  • Develop deep dive portfolio analysis and performance forecasting capability
  • Enhance develop and monitor Credit Risk Appetite framework reviewing all metrics, estimating forecasts and trends
  • Provide analysis to ALCO Board on ad hoc portfolio issues
  • Provide insight to and set expectation for portfolio and segmentation trends through targeted analysis, forecasting and the development of regular MI, including monthly Board pack and quarterly arrears deep dives.
  • Work proactively with the Finance and Product teams to support/ recommend policy changes
  • Develop and enhance credit risk reporting
  • Work closely with colleagues across the group to deliver projects and the change agenda.


Skills and Experience Required (or desired):


  • University degree in technical field (eg. mathematics, physics, statistics, economics, computational finance)
  • Extensive experience of credit risk/analytics roles
  • Knowledge of first charge mortgages
  • Hands on experience and solid knowledge of analysis software languages – SAS, R
  • Highly proficient using Excel and other analysis tools
  • Statistical background to produce reporting and models
  • Excellent communication skills and ability to convey complex ideas/insights to non-technical members of the team
  • Ability to work in an extremely fast paced start-up environment
  • Excellent verbal and written communication skills
  • Extremely self-motivated / Operate independently
  • Should have, or be keen to develop, management and leadership skills