Credit Risk Analyst

Aldermore Bank PLC; London; Hybrid; GBP 35,000 - 55,000; Full time

Job description

The Vacancy

Let us tell you a bit about us

We're Aldermore - the award-winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we're backing more people to go for it.

We thrive by saying "yes" to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose Motonovo Finance every week to buy their next car, van or motorbike.

This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose.

Let us tell you a bit about the opportunity

You will play an integral role in solving the key business problems in Property, including optimisation of risk and return. In doing so, you will drive a step change in the quality of strategic, data-led decision making in the division.

You will create insightful reports, analyse the key outputs and provide actionable recommendations into key Property teams, such as Products and Sales, to help grow our business safely and effectively.

What will your day look like?

1. Provide meaningful analysis of the division's credit risk profile, and utilise data to support the development of lending criteria, mortgage affordability models and use of credit scorecards to meet strategic objectives.
2. Work with and develop statistical models used in various areas of the business.
3. Drive actionable insight across the main themes of customer, broker, commercial performance and credit risk.
4. Provide analytical rigour to both big strategic challenges and more granular, "business as usual" questions that support our Credit Risk, Sales, Products and Operations teams.
5. Ensure decision-making in the division is underpinned by key metrics such as return on capital and earnings volatility.
6. Provide meaningful, actionable insight for committee papers and management dashboards.

What do we expect from you

1. Exceptional data analytics skills, underpinned by proficiency in relevant software such as SAS, SQL and/or Tableau.
2. Ability to hone in on the key insight within data sets, and develop actionable business recommendations from data.
3. Strong stakeholder engagement skills and the curiosity to understand a business model in detail to support meaningful analytics.
4. Good presentational skills and ability to articulate insight in a way that's compelling and appropriately succinct; a solid background in credit risk would be an advantage.

What can you expect from us?

1. A friendly and flexible culture, the same as how we work with our customers.
2. A growing organisation that means there's lots of opportunities to progress.
3. A drive for continuous improvement, which you will be empowered to get behind from day one.
4. And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.

Still curious?

Join us and we'll make the same promises to you as a colleague, as we do to each of our customers. We're committed to building a working environment that values respect, diversity, and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you're pregnant or on family leave.

Please note that we have a thorough referencing process, which includes criminal record checks.

The Company

We champion equality by supporting the exceptions to the rule and getting finance to where it's needed.

We lend the money people save with us, to people who want to get on in life; build businesses and create employment, buy property for people to live and work in, and purchase vehicles to move families and goods around.

Behaviour Framework

Our behavioural framework underpins our purpose and strategic drivers, as it outlines the behaviours we need to demonstrate in order to succeed. Where our strategic drivers (Stay Ahead Propositions, Relationships That Last and Progressive Platform) outline what we need to do to succeed, our behaviours guide us in how. In your second interview, we'll ask you to talk through some examples where you've demonstrated these behaviours in your previous roles.

The Benefits

As you would expect, we offer a competitive basic salary and reward package, and you'll also benefit from our commitment to investing in your professional development throughout your journey with us.

Benefits vary across the business depending on the role you do, but these will give you an idea of what to expect:

Your Company Benefits

1. Discretionary bonus scheme
2. Aviva Digital GP
3. Bus And Tram Benefit
4. Employee Assistance Programme
5. Eyecare Voucher & Display Screens/Desk Set-Up
6. Flu Jab Vouchers
7. Group Income Protection
8. Life Assurance
9. Metrolink Annual Pass & Clipper Ticket
10. Microsoft Discounts
11. Private Medical Insurance Shopping Discounts
12. Toothfairy
13. Your Workplace Pension
14. Hybrid Working

Benefits You Can Choose

1. Critical Illness
2. Cycle To Work
3. Dental Insurance
4. Give As You Earn
5. Government Tax-Free Childcare Scheme
6. Octopus Electric Vehicles
7. Save Our Planet
8. Season Ticket Loan
9. Spouse Or Partner Life Assurance
10. Technology
11. Wearable Technology
12. Wellbeing App
13. Will Writing