Credit Risk SAS Analyst - Scorecards

> Birmingham, Bristol or Manchester

> £55,000 to £65,000 + 20% Bonus

> 10% Pension + 10x Life Assurance + Excellent Benefits

> Hybrid Working (3 Days On-site, 2 Remote)

The Role In a Nutshell

Looking for a SAS professional in building, deploying, and maintaining Statistical Models & Scorecards for Credit Risk management. Working closely with the Credit Risk and Fraud department, supporting the implementation of Acquisition Credit Risk & Fraud strategy and policies.

The Business

This is a unique opportunity to work for a global brand whose heritage, rich history, and extensive network describe them as one of the most monumental and exciting technology companies in the world that are not afraid to take risks and innovate. Blue sky thinking, with a nothing-off-limits philosophy is the type of atmosphere they promote.

Operating across 150+ countries, with several thousand redeployment opportunities at any one time, this is a business where you will never sit still, (unless you want to of course)!

The Role

This role would suit a risk analyst/statistical modeler, working within the Credit Risk department, supporting the senior manager and the wider team in delivering an ongoing program of initiatives aimed at improving the new customer acquisition, account maintenance strategies and customer order journey. The role holder will design, refine and enhance the strategy to improve market share and manage the Fraud, Early & Involuntary Churn exposure across the product line to optimise risk-reward balance.

Skills & Experience

Proven track record of building a wide range of statistical models & scorecards to manage credit risk assessments at application and behavioural levels

A proven background in delivering and optimising risk strategies through statistical analysis

Excellent analytical and problem-solving skills with attention to detail and an ability to robustly interrogate large volumes of data

Experience working in a high-volume Consumer/Commercial Credit Risk environment, either in an Acquisition and/or In Life capacity

Experience with high-volume consumer Credit Risk Acquisition systems and/or In Life decision engines

Strong communications skills with evidence of influencing stakeholders and proposing robust strategy recommendations

Understanding of FCA requirements, processes, tenets, and CONC5 (creditworthiness and responsible lending)

Familiarity with external Income data sources, such as ONS

Highly proficient in SAS, Statistical Modelling software, MS Office applications

Degree level or equivalent experience in a financial, statistical or mathematical specialism

Your Responsibilities

Support the implementation of Acquisition Credit Risk & Fraud strategy and policies by working with other areas across the business and external suppliers

Design and build the Acquisition and In-Life Risk Strategy for the relevant FCA-regulated commercial products through statistical modelling and analysis, optimising performance to reduce fraud, early churn and bad debt

Enhance and maintain Acquisition and In-Life strategies through continuous re-training and refinement of in-house statistical models

Define and produce analytics and KPIs to monitor the efficacy of the Acquisition & In-Life strategy models

Act as a subject matter expert in the field of Acquisition & In Life Credit Risk and Statistical Modelling and scorecard building for FCA-regulated products

Build FCA-compliant Acquisition & In Life scorecards & strategies

Create virtual teams across the wider business as and when required to resolve priority cross-functional issues

Establish and maintain key relationships across the business including the Senior Management Team and external suppliers to support the Credit Risk function

Provide detailed analysis and insight of Acquisition & In-Life risk performance to identify trends and opportunities to drive improvements in core KPIs

Quantify the impact of initiatives and monitor progress against agreed plans to deliver company-level targets

Produce consistent insight and deliver a cohesive and coherent message on Credit Risk issues on FCA-regulated products to present to Senior Stakeholders

Benefits

World-class training and development

10% Bonus

10% Pension

Life assurance cover

25 days' annual leave, plus bank holidays, and additional days for length of service

You'll enjoy access to 100s of instant discounts for restaurants, shops, and the cinema. These include money off your weekly shop and discounts on gift/shopping vouchers

Free shares annually

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