Credit Risk Analyst

Summary

Join Shawbrook as a Credit Risk Analyst and become a key data analytics resource supporting the Retail Mortgage team. You will proactively review loan cohorts, evaluate loan pool trends, and optimize lending to manage credit risk. Responsibilities include portfolio reviews, identifying risk developments, escalating key decisions, and enhancing risk monitoring capabilities. You will also conduct analysis, produce reports, and collaborate with internal and external parties. This role requires experience in risk analytics, proficiency in SQL, Python, or SAS, and excellent communication skills. Shawbrook offers a comprehensive benefits package including market-leading family-friendly policies, access to wellness apps, an EAP, and a contributory pension scheme.

Requirements

• Experience in a Risk / MI Analytics / Decision Science field and experience building Risk MI or similar role
• A proficient user of SQL, Python or SAS programming skills including Macros preferable
• Excellent verbal and written communication skills with ability to summarise findings of analysis to non-technical audiences
• A high tolerance for ambiguity and frequently changing priorities with a genuine can-do attitude whilst working under pressure and to deadlines
• Good understanding of financial risk concepts
• Highly numerate with a track record in data driven analysis
• Proficient with MS Office applications, an understanding of how spreadsheets and data packages can be used to analyse numerical data
• Strong quantitate & analytical background
• Experience in building and implementing credit risk strategies
• Accuracy & attention to detail
• Excellent planning and organisational skills
• Ability to establish effective working relationships with colleagues of all levels
• Ability to work as part of a team and to take project leads

Responsibilities

• Support Retail Mortgages' growing demands for development, enhancement, and maintenance of risk management and portfolio analytics into reporting functions
• Develop and improve risk strategy analytics across both residential and BTL asset classes
• Develop a good understanding of the business risk strategies across the multiple products and loan pools
• Provide analytical support for strategic changes to back book approaches
• Assist in impact assessment of market changes, business strategies, and implications for the business
• Identify opportunities to automate, eliminate, and streamline approaches
• Work in collaboration with internal and external parties on multiple risk governance needs
• Produce accurate and timely cyclical and ad-hoc reporting for wider committee discussions
• Support necessary changes to ensure ongoing regulatory compliance where necessary
• Conduct analysis of key drivers to identify the most predictive factors, driving improvements in risk frameworks and decision-making processes

Benefits

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service
• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving
• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done