Do you enjoy working in a fast-paced environment, solving real problems with data and analytics? Are you able to understand Motor Finance credit risk frameworks and balance business needs with delivering positive customer outcomes? Do you have a passion for advanced analytics and machine learning algorithms and how they can be applied in financial services to add value? If yes, then we could have the perfect role for you!
Depending on the team, most of our roles offer flexible working and you will work remotely temporarily due to COVID-19.
This role will work within the Consumer Finance Division, which focuses on consumer lending products and services and is central to the banks’ growth strategy for 2021 and beyond. The focus will be on innovation, digitisation and delivering something fresh for customers, offering attractive products and the best possible customer service.
To support this we are looking to add to our super talented Credit Risk team Analysts can expect to be exposed to multiple projects around unsecured personal loans. Additionally, there is the need for insight and strategic evolution throughout the credit lifecycle, providing exposure to each stage from acquisition to recoveries and fraud analytics.
So what would you be doing?...
•Interrogating internal and external/bureau data to drive changes to strategies and insight into performance
•Develop and optimise Motor Finance credit strategies, balancing risk against returns. These strategies may cover a variety of different channels and products, and cover the full credit lifecycle, from new business to Collections
•Extracting, manipulating and analysing data on the performance of the loan book to ensure that the loans are performing within expectations.
•Representing risk to the wider business, driving changes via the product team and presenting analytical work to senior management
•Developing predictive models and ensuring their implementation, enhancing auto-approval processes and fraud avoidance. This includes the use of advanced regression techniques e.g. gradient boosted models
•Enhancing loss forecasting and provisioning methodology and developing best in class tools
•Supporting the development of analytical tools across the wider business. This may include areas such marketing, product and the development of new propositions or channels
You need to be this kind of person…
• Passionate about providing unparalleled levels of service and convenience for customers
• Able to work and learn quickly in a fast paced, fun and dynamic environment
• Prepared to stick at something – we get nervous if someone has jumped from job to job as we want people who are prepared to learn and grow
• Care about doing a great job and exceeding expectations with the quality of what you do
And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the courage to call out any concerns.
We always support colleagues to develop their skills. But to be successful in this job you really do need to already be able to do most of these wonderful things...
•Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
•Experience in motor finance/consumer lending roles analytical roles
•Commercial mind-set with proven analytical skills
•Experience in manipulating large datasets
•Experience in Scorecard building a plus but not critical
•Experience disseminating complex information to all stakeholders in a "user-friendly" manner and turning insight into action
•Demonstrable track record in successfully working on multiple projects concurrently, managing possible conflicting priorities and delivering within agreed parameters
•Ability to challenge in a constructive way, and influence others to deliver processes and solutions in line with regulatory requirements
•Prior experience using another programming language (e.g. SAS, R or Python) would be ideal
•Degree educated in a quantitative/numerical discipline (e.g. economics, maths, physics, engineering)
•Knowledge of FCA regulations and experience applying them in a practical capacity within a fast-growing regulated
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