Senior Credit Decisioning...
The Cumberland, Carlisle
- Full time
- Temporary
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Delivery Lead Team Leader
The Cumberland, Carlisle
- Full time
- Temporary
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- Full time
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Senior Credit Decisioning Analyst
Salary not available. View on company website.
The Cumberland, Carlisle
- Remote working
- Full time
- Temporary
Posted 2 weeks ago, 14 Jun
Job ref: 438c3b5bb4fd473ba7230773953f9b29
Full Job Description
We're on an exciting transformational journey with our people firmly at the forefront of our plans. If you want to work for a team integral in helping to drive cultural change, a team where you can bring your whole self to work bringing your energy and creativity to make a positive difference, then this is the job for you. We have an exciting opportunity for a Senior Credit Decisioning Analyst to join our Group Risk team where you will design, develop and test changes to the automated credit strategy decision engine. This role will be on a fixed term contract for a period of 9 months., Reporting to the Credit Risk Policy and Strategy Manager, your main responsibilities will include:
- Build and maintain leading automated decisioning tools and credit risk models
- Test and document all decisioning system changes, ensuring a high standard of test practices are implemented and adhered to
- Identification and investigation including data analysis required to support change or incident management
- Support delivery of automated decision operational procedures required dependent on outcome of the automated decision
- Ensure all credit risk policies and strategies are clearly documented and maintained
- Work with stakeholders across the business, as well as external suppliers, to define business change requirements and provide challenge where necessary
- Work with other workstreams in developing the end to end customer journey, capturing inbound and outbound dependencies on the Experian activity.
- Support retro analysis work being undertaken to ensure the effective development of automated credit underwriting.
We're looking for someone with previous experience working in a decisioning background and maintaining a decisioning system as well as experience in system testing, including building test plans as well as: - Continuous improvement mindset and always looking for ways to improve processes
- Highly numerate with excellent analytical skills
- Ability to communicate (written and verbal) complex topics in a straightforward manner including clear documentation of strategy
- Advanced Excel
- Experience using SQL / SAS essential with Python an advantage
- High attention to detail and high level of accuracy
- Excellent analytical and problem-solving skills
- A self-motivated, logical and organised approach
- A flexible and proactive approach with the ability to work under the pressure of deadlines
- Ability to work as part of a team
- Financial Services experience, preferably mortgages
- Credit Risk experience in a Financial Services environment, preferably mortgages
- Previous experience working in a decisioning background and maintaining a decisioning system We'd also love to see evidence of:
- Customer focus
- Strong problem solving & decision-making skills, able to lead, influence and collaborate cross functionally to positive outcomes
- Analytical thinking & concern for accuracy
- Demonstrable ability to lead process changes and deliver to agreed timeframes
- Excellent communication skills both internally & externally, with the ability to tailor content appropriately for the audience
- Prior experience in working with Experian PCCA tools in secured credit environment (desirable)
- Experience in system testing, including building test plans We're here to create a banking experience that's kinder to people and planet. Unlike banks, we don't have public or private shareholders which means we can invest 100% of our profits back into our business. As a result, our business is purpose-led, financially strong, socially responsible and always focused on our people, planet and communities.
- Salary - up to £57,007 p.a. - depending on skills and experience.
- Holidays - 25 days holiday plus public holidays and the opportunity to buy and sell up to 3 days.
- Learning and Development opportunities - We want you to grow in your role. We'll work together to support your personal and professional development.
- Hybrid Working - the tools and equipment you need to be able to work from home when you need to, depending on your role.
- Health and Wellbeing - a calendar of events and activities throughout the year, Mental Health & Wellbeing champions, and Cycle to Work scheme.
- Community Day - We offer our people an extra paid day off every year to help local charities and community organisations.
Working at the Cumberland, you become part of something special. We're a Mutual organisation, committed to improving the lives of our colleagues, customers, and community. Our values are incredibly important to us.