Senior Credit Risk Analyst

In this role, you'll partner closely with the Credit Risk Model Owner and Analytics Manager to oversee the full lifecycle of our credit risk models-ranging from scorecards to IFRS9/ECL models-and to ensure our credit analytics and portfolio insights are accurate, robust, and ready to guide senior leadership decision-making. If you thrive at the intersection of data, modelling, and strategic insight, this role offers the opportunity to make a real impact. Please note this role is an Fixed Term Contract for 24 months What you will do: 1. Credit Risk Model Development & Lifecycle Management Provide expert technical support for the development, validation, and implementation of credit risk models (Scorecards, ECL/IFRS9), ensuring alignment with the Bank's model risk management policies. Own the model lifecycle plan-coordinating independent validations, monitoring model performance, and ensuring ongoing fitness for purpose. Contribute to the development and application of Post-Model Adjustments (PMAs) and management judgment overlays, supporting the Bank's response to economic volatility and model risk. 2. Portfolio Analytics & Strategic Management Information Track population stability and key customer characteristics to assess alignment between expected and actual loan portfolio performance. Lead analysis to determine Loss-to-Receivable (LTR) assumptions for pricing and loss reserving, supporting the Bank's profitability goals. Conduct in-depth analytics across customer credit profiles and key macroeconomic indicators to highlight emerging risks and opportunities. 3. Policy Development & Stakeholder Collaboration Support the enhancement and implementation of credit risk policies aligned with strategy and regulatory expectations across the UK and European markets. Partner with first-line operations and finance teams to streamline and integrate credit risk processes. Produce high-quality technical documentation and insights for Bank Risk Committees.

Established experience in credit risk model development or credit risk analytics within financial services, with hands-on experience in Scorecards and ECL/IFRS9 models. Analytical Insight: Ability to turn complex datasets into meaningful insights, clear trends, and strategic recommendations. Communication Skills: Excellent written and verbal communication, with the confidence to explain complex modelling and analytics concepts to non-technical stakeholders. Desirable Skills & Experience

• Degree in Statistics, Mathematics, Economics, Finance, Data Science, or another quantitative discipline.
• Proficiency in SAS, SQL, Python, R, or data visualisation tools.
• Understanding of IFRS9 / US GAAP standards and the regulatory landscape for credit risk.