Buscar empleo: 148 ofertas de trabajo de data analyst en Windsor (diciembre 2025)

Credit Risk Analyst- Scorecards

hace 23 horas

Slough

Credit Risk Analyst- Scorecards £50K + car scheme options Very flexible hybrid working • Motor finance experience strongly preferred, • Scorecard development experience is essential Main Responsibilities: • To provide daily operational support in the management of the Retail portfolio, • Portfolio Health Monitoring – Track delinquency, arrears, write-offs and overall cost of risk; flag deteriorating segments promptly, • Risk Dashboards – Build and maintain dashboards and management information on key risk indicators, affordability and underwriting performance, • Policy & Process Optimization – Propose and implement changes to credit policy, underwriting rules and the decision engine to balance approval rates with expected loss, • Risk Budgeting & Provisioning – Contribute to risk budgets, forecasts and the calculation/validation of specific and general provisions, • Regulatory & Investor Reporting – Prepare FCA affordability reports, monthly management packs and historical securitization data for investors, • Cross-Functional Collaboration – Work with Underwriting, Collections, Finance and other stakeholders to drive remedial actions on high-risk accounts and improve end-to-end credit quality, • Present in the bi-monthly Credit Committee to Senior Management Team on any related Credit topics, • Recommending changes to Credit Policy to hit Underwriting SLA, maximise Accept Rates whilst maintaining Cost of Risk, • Responsibility for Monthly Management Reporting for Europe HQ, • Regular reviews with external suppliers such as Experian to assess performance of the underwriting scorecards, • End to end model ownership: from data extraction and feature engineering to validation and deployment, • Conduct model monitoring and performance analysis: regularly assess back testing results and recalibrate when needed, • Deliver predictability and control of bad debt performance to a planned level of loss, • Cross-Functional Collaboration – Work with Underwriting, Collections, Finance and other stakeholders to drive remedial actions on high-risk accounts and improve end-to-end credit quality, • Analyse performance of underwriters and collections agent with follow up coaching when required, • Create on the job training plans to help assist the credit and collections team reach full potential, • Assist with the drafting and development of internal Credit and Collections procedures The ideal candidate will have: • Previous scorecard writing experience, • Degree and 3+ years’ credit-risk experience, ideally in automotive or consumer finance., • Extract, engineer and analyse data to develop and validate scorecard models and pinpoint areas of strength or weakness, • Responsibility that all models adhere to internal standards and regulatory expectations through documentation and monitoring, • Excellent oral and written communication skills are essential together with proven complex analytical and decision-making skills, • Strong analytical and documentation skills, in particular data analysis as well as attention to detail, • Ability to communicate and negotiate change, • Willingness to work towards achieving goals in a changing and challenging environment, • Driven to take the initiative to improve systems, processes and the delivery of management information, • Improve systems, processes, and business practices, • A strong understanding of business strategy and how to align scorecard metrics with organizational objectives, • The ability to explain complex data and model outputs clearly to both technical and non-technical stakeholders, • Solid understanding of lending products and credit risk lifecycle, • Advanced analytical skills and capability to operate with reporting tools (Excel, SAS, Access…), • Familiarity with UK/FCA regulations and best practices in credit-risk management. Send your CV to

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