Credit Analyst

Overview

As a Credit Analyst in the Cards Originations Credit Risk team, you’ll help shape automated credit decisions for a large retail portfolio. You will analyse data to support credit strategies and reporting, driving improvements across risk/reward and ensuring resilience within risk appetite. You’ll work with cross-functional teams to automate processes and deliver insights that inform lending decisions. This role offers an opportunity to contribute to a values-led, inclusive culture while developing advanced analytics in a fast-paced banking environment.

Pay / Benefits

• generous pension contribution up to 15%
• annual performance-related bonus
• share schemes including free shares
• discounted shopping benefits
• 24 days holiday plus bank holidays
• wellbeing initiatives and parental leave policies

Responsibilities

• Manipulate and interrogate data using SAS and Excel within a robust control environment
• Carry out data analytics to support customer needs
• Produce regular high-quality reporting and analytics
• Collaborate with credit risk and infrastructure teams to improve credit strategies
• Adopt continuous improvement to automate and transform processes

Key requirements

• Numerate degree or equivalent quantitative experience
• Experience with or willingness to learn SAS, SQL, BigQuery
• Curious, analytical problem-solver able to derive insights from data
• Proactive, collaborative, and able to contribute to team culture
• Prior credit risk experience in retail banking is a plus

• analytical mindset
• collaboration
• proactiveness
• SAS
• SQL
• BigQuery

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