Senior Credit Analyst – Embedded Finance reference: 140562

Here's a professional review of the Senior Credit Analyst job description, designed to inform potential candidates: ## Opportunity Review: Senior Credit Analyst - Embedded Finance Credit Risk This opportunity presents a compelling role for a motivated and analytically driven professional looking to make a significant impact within the financial services sector. Joining the Embedded Finance Credit Risk team within the Chief Credit Office offers a chance to be at the forefront of evolving credit strategies and portfolio management.

Key Advantages for Candidates:

• Strategic Impact: You will be instrumental in designing, implementing, and overseeing credit risk strategies, directly influencing lending decisions and portfolio performance. This is a chance to shape how the business responsibly supports growth.
• Dynamic Environment: The team is actively mobilising in response to market changes and expanding into new business propositions. This signifies a forward-thinking and innovative environment where your contributions will be highly valued.
• Skill Development: The role demands and fosters strong analytical and technical expertise. You'll gain hands-on experience with powerful tools like SAS and SQL, while also honing your problem-solving and data interrogation skills.
• Mentorship and Growth: The opportunity includes mentoring junior team members, allowing you to develop leadership skills and solidify your own understanding. Continuous learning is encouraged, with an expectation to stay informed on industry and regulatory developments.
• Flexible Working: The organisation champions flexible working, offering options such as job sharing and a hybrid model (40% in-office). This provides a good work-life balance and acknowledges diverse working preferences.
• Comprehensive Benefits: A generous benefits package is on offer, including a significant pension contribution (up to 15%), performance-related bonuses, share schemes, ample holiday entitlement, and a strong focus on wellbeing and parental leave.
• Commitment to Inclusion: The organisation demonstrates a strong commitment to diversity and inclusion, with initiatives like a menopause health package and a dedicated Working with Cancer Initiative. Workplace adjustments are readily available to support colleagues with disabilities.

Key Considerations for Candidates:

• Numerate and Analytical Prowess: A strong foundation in mathematics or a related quantitative field is essential. You must be comfortable working with complex data, deriving insights, and solving business problems accurately and creatively.
• Technical Proficiency: Practical experience with SAS and SQL is a requirement. Proficiency in Microsoft Office, particularly Excel and PowerPoint, is also expected for data manipulation, analysis, and presentation.
• Communication Skills: The ability to clearly articulate complex findings to various audiences, build positive relationships, and influence stakeholders is crucial.
• Proactive Mindset: This role calls for a self-starter who is organised, adaptable to changing priorities, and proactive in their personal development and in contributing to a positive team culture.
• Credit Risk Knowledge (Advantageous): While not strictly mandatory, prior experience in retail banking credit risk, particularly in developing and overseeing credit strategies, would be a significant advantage and set you apart.
• Hybrid Working Model: Be prepared for a hybrid working arrangement, requiring approximately two days per week in the office across Chester, Halifax, or Leeds.

This Senior Credit Analyst position offers a rewarding career path for individuals who are analytical, proactive, and eager to contribute to a dynamic and evolving financial landscape. The emphasis on responsible lending, continuous improvement, and a supportive, inclusive work environment makes this a notable opportunity for career advancement.