Senior Credit Risk Analyst - #1755235

Business Unit: Chief Credit Office Salary range: up to circa £41,000 per annum DOE + red-hot benefitsLocation: UK Remote Contract type: Permanent

Our Team

Our Business Credit Risk team plays a pivotal role in shaping our lending strategy across Business lending. We're looking for a Senior Analyst to join our team and help us innovate and continue to grow responsibly while ensuring our lending meets customer needs and regulatory standards

What you’ll be doing

• Supporting the Credit Risk Manager by producing meaningful insights and analysis to understand emerging portfolio trends across the Business portfolio.
• Implementing new ways of monitoring and identifying trends, strengths and weaknesses of the portfolio, driving efficiency and automation in our approach.
• Working collaboratively with Credit Risk, Commercial, Finance and Operational colleagues to identify improvements that maintain regulatory compliance, improve efficiency, or provides additional value to the business.
• Driving a culture of continuous improvement, rationalising processes, improving sophistication and addressing complexity across all aspects of managing the portfolio.
• Maintaining internal governance frameworks, policies, and regulatory guidelines, ensuring they are embedded in the business to promote good risk practices.

We need you to have

• Experience producing analytics, with coding background in SAS, SQL or other data management tools used for conducting portfolio analytics.
• Good knowledge of Credit Risk in Financial Services.
• Insatiable curiosity and an inquisitive mindset with a drive to delve past surface level information and understand trends from first principles.
• Effective attention to detail, ensuring analytics produced is accurate and robust.
• Good communication, with the ability to condense and simplify complex information to other members of the team concisely.
• Experience in creating reports and insight using Power BI or other data visualisation tools

It’s a bonus if you have but not essential

• Technical skills in other data management tools / coding languages used for conducting portfolio analytics, such as Python or R.
• Understanding of the Business credit risk portfolio.

Red Hot Rewards

• Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time)​ plus the option to buy more.
• Up to five extra paid well-being days per year​.
• 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.
• Market-leading pension.
• Free private medical cover, income protection and life assurance.
• Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.

And there's no waiting around, you'll enjoy these benefits from day one.

Feeling insatiably curious about this role? If we’re lucky to receive a lot of interest, we may close the advert early and would hate you to miss out.

We're all about helping you Live a Life More Virgin, so happy to talk flexible working with you.

Say hello to Virgin MoneyWe’re making great strides towards achieving our ambition of becoming the UK’s best digital bank. As a full-service digital bank with a heritage stretching back over 180 years, we’re a workforce to be reckoned with, and we're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We're customer-obsessed and work tirelessly to deliver on our purpose, ‘Making You Happier About Money.’ This means we're able to do banking differently, and by innovating and working together we can make a real difference by creating memorable moments and red-hot experiences for our millions of customers. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work. Be yourself at Virgin MoneyOur purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities. We’re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.

As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team (email address removed)

It’s important to note that there may be occasions where it’s not possible to interview all candidates declaring a disability who meet the essential criteria for the job. In certain recruitment situations such as receiving a high-volume of applications, we may need to limit the overall numbers of interviews offered to both disabled and non-disabled applicants.

Now the legal bitLiving A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it), but we'll need you to confirm you have the right to work in the UK.

If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks – we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.