Graduate Credit Risk Analyst

Team Consumer Finance

Location Bishopsgate

County London

Ref # 16646

Closing Date 06-Sep-2022

Do you have an accurate eye for detail? Do you enjoy working in a fast-paced environment, solving real problems with data and analytics? Are you a recent graduate, with a degree in a more numerate subject like mathematics, engineering, physics or econometrics? If yes, then we could have the perfect role for you!

We have an exciting opportunity for a graduate to join our Credit Risk team, assisting in continually improving and shaping how Credit Risk operates. At Metro Bank, no two days are the same and as it's a smaller team you'll be working in a fast-paced environment gaining exposure to all areas of Credit Risk. We'll also give you the support and training you need to thrive, giving you a strong and broad base of skills from which to develop your career. We have ambitious plans, both as a team and an organisation. As the company grows, your role will too.

Depending on the team, most of our roles offer flexible working.

So what would you be doing?...

•Developing and optimising Consumer Finance retail credit strategies, leveraging internal and external data such as the credit reference agencies and fraud databases.
•These strategies may cover a variety of different channels and products, covering the full customer lifecycle, from acquiring new business to collecting debts.
•Using coding languages (SQL, SAS, R, Python) to accurately extract information from the database, manipulate data and use various tools (SQL, Excel, PowerBI) to analyse it so that you can create insightful summary tables or graphs which provide learnings to the business.
•Performing pricing optimisation, performance monitoring, test designs and strategy creations to drive the continuous growth of the business.
•Investigating, assessing and using cutting edge analytical approaches including machine learning, artificial intelligence and complex regression modelling (e.g. gradient boosted models).
•Developing predictive models to enhance the auto-approval process and fraud defence strategies.
•Extracting, manipulating and analysing data on the performance of the Consumer Finance loan book, ensuring the loans are performing within expectations.
•Assisting the commercial credit, marketing and investment teams, providing ad-hoc support in 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
• You will need an exceptional academic track record with a degree in a more numerate subject like maths, engineering, physics or econometrics.
• An inquisitive mind-set with the ability to derive the sound business recommendations from data.
Some experience in SQL, SAS, Microsoft Access, VBA, pivot tables or other data manipulation tools.
• It is essential that you have exceptional Excel skills with modelling experience is preferred.
• You should have a basic understanding of financial products (Credit cards, Loans, Overdrafts) and how prices affect profitability.

Important Footnote Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box.  We also know that ‘normal’ office hours aren’t always doable, and while we can’t accommodate every flexible working request we are happy to be asked.  So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not give it a whirl? Please note that sometimes we may close a job earlier for applications if we are inundated with amazing candidates.. Good luck!


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