Credit Risk Analyst

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver.  We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally.  We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities.  This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale.  We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

As a Credit Risk Analyst you will be a dedicated and key data analytics resource to support the team to proactively review loan cohorts whilst maintaining Retail Mortgage's risk principles within a dynamic and expanding organisation.

The role will involve evaluating loan pool trends and strategy to optimise lending and manage credit risk appetite. Responsible for portfolio reviews to identify risk developments or concentrations and exercise judgment to escalate key triggers decisions of heightened-risk positions to key stakeholders, as needed.

A key support in enhancing to our overall risk monitoring capabilities to ensure our credit and wider risk strategy is performing within expectations and assist with relevant and ad-hoc data analytics requests to Risk insights, ensuring robust data backed perceptions are feed into key stakeholders with accuracy.

Sharp analytical skills will allow for accurate and meaningful committee reporting and support deep dives into specific customer behaviours and markets trend analysis as the landscape evolves.

Duties & Responsibilities:

• To support Retail Mortgages growing demands for development, enhancement and maintaining 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 in 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.

• 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 summarised 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

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• 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

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• 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

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• 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