To provide detailed analysis and reporting on credit performance across all lending lines. The role will support credit risk management through portfolio monitoring, performance analysis, scenario modelling, and helping to shape system-based credit rules.

KEY ACCOUNTABILITIES

• Monitor arrears, delinquencies, and other credit KPIs across portfolios.
• Conduct cohort, vintage, and segment analysis to identify emerging risks.
• Produce stress tests and scenario models to inform capital and provisioning strategies.
• Contribute to credit rule design and implementation for our origination system.
• Assist in producing monthly portfolio reviews,
• Support audits, regulatory reviews, and internal risk governance processes.

SKILLS & COMPETENCIES

• Strong data analysis skills and understanding of credit risk metrics.
• Ability to interpret trends and make actionable recommendations.
• Familiarity with credit scoring models and risk frameworks.
• High level of proficiency in Excel necessary.

KNOWLEDGE & QUALIFICATIONS

• Previous experience in a credit risk, portfolio analysis, or lending performance role.
• Understanding of specialist mortgage and property finance markets.
• Degree in a numerate or analytical field preferred.
• Knowledge of IFRS 9, stress testing, and regulatory risk frameworks beneficial.

Please refer the Job description for details