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Senior Credit Risk Analyst

Business Role Type
Business Support Role
Business Support Departments
Loans
Location
Cardiff
Salary
Competitive, based on experience, plus excellent Admiral benefits (including company shares and more)
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We are recruiting for a Senior Credit Risk Analyst in the Admiral Loans Risk Team. This team manages credit risk and pricing for the Admiral personal loans and motor finance product suite. The role involves analysing risk, providing insight into all aspects of performance across the whole portfolio, and producing proposals for enhancing our risk management and strategies.

The successful candidate will be able to quickly fit into a fast-moving, innovative and high-profile environment, and will be required to hit the ground running; at least two years prior experience in a credit risk function is therefore a prerequisite. The successful candidate will be given responsibility to set direction and lead the way, whilst very much retaining a hands-on approach.

Main Responsibilities Include:

  • Reporting and monitoring the effectiveness of our front-end customer outcome, across a range of channels and products
  • Designing, developing and deploying effective and efficient customer outcome tools and strategies, producing actionable proposals and implementation plans
  • Monitoring the risk/reward profile of the portfolio, reviewing and proposing changes to acquisition strategies and customer affordability assessments as appropriate
  • Assessing new data sources, tools and techniques to ensure the quality of credit decisioning is maintained in a fast-changing external environment
  • Providing a wide range of investigative work to meet the Risk & Pricing team’s objectives, and support a range of ad-hoc projects

Required Skills and Experience:

  • At least two years’ analytical experience within a credit risk function is essential
  • Experience of extracting, manipulating and analysing data using SAS/SQL (or similar data tools such as R and Python)
  • Demonstrable numerate background, preferably with a degree in a numerical subject
  • Proficient with Excel, Word and PowerPoint to produce clear documents and analysis, presenting complex information effectively
  • Experience working with application decision strategies and customer affordability calculations
  • A broad understanding of the full responsibilities of a credit risk function, from Acquisition through Customer Management to Collections/Recoveries
  • Strong planning and organisation skills with the ability to manage your own workload, prioritise workloads, and support wider projects
  • Good written and verbal communication skills and attention to detail, including writing full noting papers and change proposals
  • Experience of working with the following would be an advantage, but not essential:
    • Motor finance or other secured lending products
    • Price comparison websites
    • Open banking/PSD2
    • Scorecards/model development

About Admiral:

We're Wales’ only FTSE 100 company with forward-thinking approaches and endless opportunities to test, learn and grow. There's a reason we've been named a best place to work: Our progressive culture, core values, and commitment to diversity and inclusion has created a working environment where people share ideas, aren’t afraid to speak up and change things, and above all, are felt valued.

Based on innovation and organic growth Admiral has grown from being a small start-up into one of the largest car insurance providers in the UK. The company is constantly investigating new products, services and markets and is now in seven countries with a diverse product portfolio.

Admiral’s success goes hand-in-hand with having a strong people focussed culture. We believe that happy people make happy customers and happy customers help increase profits. Our philosophy is a simple yet effective one: people who enjoy what they do, do it better. 

We truly care about our customers, they are at the heart of every decision we make. We’re very proud of the innovative products we offer and level of service we provide. Everything we do acknowledges the needs of our customers and by recruiting the right people, we can continue to provide great service and ensure an excellent experience for our customers.

Admiral people work hard to keep us at the top of our industry, and are rewarded for it—with great benefits, a share package based on company performance, work-life balance opportunities, nearby fitness and health centres, and other special perks.

The Recruitment Officer looking after this role is Jessica Sutton. If you’d like to know any more about the position, please feel free to drop her an email Jessica.SUTTON2@admiralgroup.co.uk or give her a call on the Recruitment line - 0800 118 1619.

 

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