Senior Credit Risk Analyst – Unsecured Credit Risk

Responsibilities

• Help manage risk for Santander's Unsecured portfolio across multiple products.
• Develop skills and experience in credit risk management and knowledge across the product lifecycle as part of a team and working with other parts of the business.
• Solve complex business problems using data analysis software, providing practical value‑based solutions, and managing portfolios.
• Identify key portfolio issues through deep‑diving investigations using in‑depth knowledge of credit portfolio performance.
• Develop and implement appropriate value‑based risk policies, strategies, models, and controls.
• Take accountability for credit policy oversight by monitoring performance, clearly communicating issues, and recommending changes where appropriate.
• Build strong relationships between Risk and other key business areas.

• Awareness of credit industry products and markets (Preferred)
• Experience in credit risk analysis and credit risk decisioning (Preferred)
• Degree level in a numerate subject (e.g. Maths, Statistics, Operational Research, Physics, or Engineering, ideally 2:1) and/or equivalent qualifications/experience (Required)
• English (Required)
• Coding/Data manipulation experience (Required)
• High degree of computer literacy (Required)
• Excellent oral and written communication skills (Required)
• Creative thinking required as many problems are unprecedented and without guidelines (Preferred)
• Resilient to setbacks, with the tenacity, drive and keen eye for detail required to solve complex challenging problems (Preferred)