Senior Credit Risk Analyst

Job Description

Opportunity to join the Credit Risk - Trading & Propositions team on an 8-month FTC.This is an exciting role at the heart of delivering our mortgage strategy. Youll lead and manage medium to large analytical projects "end to end" from scoping and definingrequirements through to the presentation of results and recommendations, making new mortgage propositions and tactical changes happen. About the roleKey outcomes for the role include (but are not limited to): Gaining approval for strategic changes to our lendingpolicy to support new proposition launches. Identifying, shaping and delivering tactical changes to our lending policy, creating a more efficient and effective journey for customers and brokers - (for example, this could be a change to how our policy rulesare written in our decision engine, helping underwriters focus on the right applications). Proactively identifying areas of risk and / or opportunity to ensure that mortgage lending remains within appetite - for example working with Mortgage Trading to makea change that helps keep the Society within regulatory limits on higher risk lending exposure.Please note that this is an 8 month fixed term contract role.About you The role has a high level of autonomy, but youll be working within a supportive and collaborativeteam and have lots of stakeholder engagement. Theres the opportunity to make the role your own and within our diverse team, everyone brings a unique set of skills and experience. Below is our wish list of core skills but above all is the willingness to challengeyourself, learn and grow as no project is ever the same and were all learning every day! Youll need to be a credible SME with a good working knowledge of credit risk management across the customer lifecycle (i.e. from lending, through to collections andrecoveries and in terms of overall portfolio management). Youll have strong analytical ability, able to interrogate data using SAS (or similar), produce analytics and turn these into meaningful insight and recommendations. Youll have strong communicationskills, able communicate results of analysis to senior management to a high standard, both written and verbally. About usAt YBS we dont have shareholders, we have members. We care about people and that includes you. So here, youll be respected for who youare, youll be able to bring your whole self to work, and youll have everything you need to build a long and rewarding career.Flexibility. We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance.Whether its finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you.Development. We want you to feel challenged here. Whatever your ambitions, were committed to helping you developyour skills and move ahead in your career journey. From day one, well set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.Inclusivity. Were passionate about creating an inclusive environmentwhere everyone is welcome and able to be themselves. If youll go the extra mile to help our members, youll fit right in and feel you belong here.About our BenefitsWe offer lots of fantastic rewards that you can make the most of in and out of work, including:Holiday.Youll get 25 days plus Bank Holidays, as well as the option to buy up to a further 5 days.Bonus. We work together to reach for better at YBS, so when we reach our goals were all rewarded, with up to a 10% annual bonus.Pension. We know how important it isto save towards the future, thats why well contribute up 11% into your YBS pension.Healthcare. Health and wellbeing are an important part of life at YBS, when you join us youll have access to a range of health benefits to suit your life including privatemedical insurance, dental and healthcare plans.My Benefits. When you join YBS youll have access to our self-service benefits portal, where you can access a range of retail, hospitality and health discounts.Ready to applyIf youre excited about this roleand want to be part of the YBS team, click apply now to send us your application.