Senior Credit Risk Analyst

We have an exciting opportunity for a Senior Credit Risk Analyst to join our Credit Risk function here at YBS.

The Retail Lending Policy team is an integral part of YBS’s Credit Risk function. We pride ourselves on working collaboratively with our colleagues in teams across the business, including Trading, New Product Development, Finance and Collections & Recoveries to ensure we’re identifying, mitigating and managing conduct and credit risks. This allows us to provide a fantastic experience for our customers and provides sustainable growth and performance for our members.

Above all else, the Credit Risk function helps YBS to deliver real help with real lives in a safe and responsible way.

As a Senior Credit Risk Analyst, you’ll be a key member of our team, leveraging your Credit Risk expertise to help YBS deliver its objectives. You will get the chance to be involved in a range of interesting projects and initiatives. Some of the areas you could be responsible for:

• Maintain and enhance key credit risk controls, including lending policy and affordability models, ensuring they remain robust, compliant, and aligned with regulatory expectations. You’ll work cross-functionally to gain approval for policy changes that support YBS’s growth ambitions while maintaining responsible lending practices.
• Provide assurance to internal and external stakeholders by responding to oversight findings and addressing identified concerns, ensuring our credit risk governance remains effective and accountable.
• Conduct market scanning and competitor benchmarking to ensure our lending policies and standards remain appropriate, competitive, and aligned with industry best practice.
• Use internal and external data to develop a deep understanding of our retail lending portfolio, producing high-quality credit risk analytics that deliver meaningful insight and support strategic decision-making.
• Provide Subject Matter Expert (SME) support to colleagues on complex aspects of Lending Policy and Standards, ensuring consistent interpretation and application across the business.

Please note:

The team currently operates on a hybrid working model.

To succeed in this role you will have:

• Proven experience in Credit Risk or other similar analytically based roles.
• Excellent time management and collaboration skills, with a proactive and curious mindset focused on continuous improvement and driving tasks from start to finish.
• Analytical and problem-solving skills, with a keen eye for identifying trends, risks, and opportunities within complex datasets.
• Advanced data skills, including proficiency in SAS (or equivalent statistical tools), SQL, and Microsoft Excel.
• Excellent written communication skills, with the ability to produce clear and structured committee papers.
• Knowledge of the retail mortgage market is advantageous, though not essential if you bring relevant experience from other financial sectors.

At YBS we don’t have shareholders, we have members. We care about people and that includes you. So here, you’ll be respected for who you are, you’ll be able to bring your whole self to work, and you’ll have everything you need to build a long and rewarding career.

We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it’s finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you. We’re happy to talk flexible working and you can reach out to us anytime to discuss this during the recruitment process.

We want you to feel challenged here. Whatever your ambitions, we’re committed to helping you develop your skills and move ahead in your career journey. From day one, we’ll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.

We’re passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you’ll go the extra mile to help our members, you’ll fit right in and feel you belong here.

We offer lots of fantastic rewards…