We are seeking a talented Credit Risk Pricing Analyst who will be instrumental in managing and mitigating credit risks associated with our consumer lending products. The ideal candidate will be proficient in analysing and interpreting complex data to inform strategic business decisions.

Client Details

Our client is a growing FinTech and financial services business. They are well-regarded within the Banking & Financial Services industry and are renowned for their innovative approach to financial solutions. They maintain a robust and professional work environment that encourages growth and collaboration.

Description

Credit Risk Pricing Analyst:

The Role:

• Senior role within a team of 4 reporting to the Head of Department who is looking to delegate some of the pricing / headline Pricing duties to the person who takes up the role.

• You will be responsible for developing and managing analytical tools to evaluate and monitor credit risk and returns across portfolios, ensuring effective pricing strategies.
  
  Responsibilities:

• Pricing and Credit Risk Analysis: Utilising statistical techniques and data analysis to assess portfolio-level credit risk, returns, and risk aligned pricing.

• Portfolio Monitoring: Identifying trends, risks, and opportunities across customer segments using advanced analytics to ensure portfolio performance is in alignment with risk and return targets.

• Policy and Strategy Development: Supporting the creation of credit risk policies, underwriting strategies, and pricing proposals.

• Data-Driven Insights: Delivering actionable insights and recommendations to optimise risk-adjusted returns, and creating / maintaining monitoring post strategy implementation.

• Stakeholder Collaboration: Working with internal teams, including operations , product, finance, and compliance, to align risk management objectives with business goals.

• Analytical expertise and strong coding skills (SQL, VBA, Python) are essential.

Profile

A successful Credit Risk Pricing Analyst should have:

Requirements

• • Having held a similar role in consumer credit risk previously for 2+ years
  • A degree in Finance, Statistics, Economics, Mathematics, or a related field.
  • Proficient in SQL.
  • Experience with cash flow simulations and IRR calculations.
  • Experience in Credit Risk.
  • Understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
  • Experience with data visualization tools and techniques.
  • Excellent analytical, problem-solvings skills and attention to detail.

  Desirable Skills

  • Experience in SME lending.
  • Tableau experience.
  • Python and VBA experience.

Job Offer

• A competitive salary ranging from £60 - 80k + 15% bonus
• 3-4 days per week in the office hybrid model
• Opportunities for professional growth and development.
• A positive and collaborative work culture.
• Generous holiday leave.
• Unique opportunities to contribute to the growth of this Fintech business who is rapidly growing!

We encourage all who meet the criteria outlined above to apply and join our professional team in the city of London. This is an excellent opportunity to make a significant impact in a growing company within the Banking & Financial Services industry.