We have an exciting opportunity for an experienced Credit Risk Analyst to join Yorkshire Building Societies Customer and Commercial Risk team on a 12 month day rate contract. This contract is deemed to be 'Inside IR35 '. The team.... The Customer and Commercial Risk team is an integral part of YBS 's Customer and Commercial Divisions. We pride ourselves on working collaboratively with our colleagues in teams like Trading, New Product Development, Direct and Intermediary Distribution and Collections and Recoveries to ensure we 're identifying, mitigating and managing conduct, credit and operational risks. This allows us to provide a fantastic experience and sustainable growth and performance for our customers and members. The team is responsible for a number of areas including managing credit risk strategy and lending policy, affordability, portfolio risk management, application and behavioural scorecard modelling. Above all else, the team is there to help and support the rest of the Customer and Commercial Divisions deliver their objectives safely and responsibly. The role... As a Credit Risk Analyst you 'll be a key member of our team, leveraging your Credit Risk management expertise to help YBS deliver its objectives. We 're looking for an experienced credit risk professional who wants to positively impact customers, colleagues and the success of the business by leading projects independently, driving change forward and influencing senior leaders. What You 'll Do... * Supporting the Group 's growth aspirations whilst ensuring lending is responsible. Entering new market segments and defining lending criteria to meet changing customer needs requires a clear understanding of the associated credit risks. You will lead work across the business, owning and driving change to support business growth and customer experience whilst ensuring credit risks are managed. * Ensure high quality, insightful credit risk analytics is produced. You will lead and support the production of key credit risk analytics that provides real insight and can, therefore, be used to inform strategic decision-making. * Be an integral part of a the Group 's largest project, delivering business requirements and solutions. You will support on the delivery of your recommendations by delivering technical specifications and outcome testing. How You 'll Do It... * Prior experience within Financial Services (or similar) with demonstrable experience of operating within the Credit Risk arena * Expert knowledge of at least one of the following Credit Risk areas; * Portfolio analytics * Acquisition strategy * Decision Engine * Affordability * Risk Management of Residential, Buy to Let or Commercial Mortgage lending * Proven ability to independently lead programmes of complex analytical work * Outstanding analytical and problem solving skills * Excellent communication skills * Expert skills in data manipulation, SAS (or similar statistical packages), SQL and Microsoft Excel * Energetic and driven So.... If you 've got a solid background in analytics and you want to develop a career in an empowering, respectful and supporting business then why not join us? Our people are our heart and soul; we 're commercial and caring, big enough to offer you a challenge and small enough for you to make a real impact. We 're devoted to putting people first and doing the right thing by providing real help with real life. We 'd love to hear from you so why not apply today and be Your Brilliant Self! Yorkshire Building Society is an equal opportunities employer.
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