Job Title: Senior Risk Analyst
Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues
Hours: Full time, Permanent

A BIT ABOUT US:

At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.

SKILLS & ATTRIBUTES:

Can independently code in at least one of the following programming language; SAS, SQL or Python
Understanding of; credit lifecycle, CRA’s, financial products, economic conditions
Working on different financial products in an analytical role within a Credit Risk function
Good knowledge of Statistics
Experience of lending products such as Cards, Loans, Retail or Motor finance
High level of accuracy and attention to detail

THE ROLE:

As a Senior Risk Analyst at BNP Paribas Personal Finance UK, you will be a key member of the Risk Analytics team, providing analytical insight into customer behaviour in order to shape and optimise credit strategy across all of our UK credit products.
Review and provide recommendations in respect of acquisition and customer management credit risk strategies. Opportunity to utilise a range of data sources such as CRA’s for the development and validation of scorecards, policy rules, pricing, limits management and affordability models, whilst always ensuring regulatory compliance.
Collate materials to present in senior forums such as risk committee meetings. Ability to showcase your proposals directly to the executive team.
Ensure effective performance monitoring is in place, proactively identifying and highlighting emerging trends, investigating alerts and developing appropriate solutions to improve business performance.
Be responsible for supervising and developing junior analysts, prioritising and supporting management of their workload, encouraging knowledge sharing and ensuring team outputs produced are accurate, of a high standard and delivered on time.
Ensure that lending follows the correct standards of the business, whilst treating customers fairly by putting them at the heart of everything we do. You will support the BNP Paribas group strategic plan to accelerate growth, technology and sustainability.

KEY RESPONSIBILITIES:

Provide portfolio management reports which evaluate the risk profile of the BNP Paribas Personal Finance UK Customer base.
Develop and monitor risk strategies which maximise revenue whilst minimising bad debt on new and existing business lines.
Ensure key risk management information is in place, supporting business direction within agreed risk appetite.
Perform a health check of all credit portfolios against internal and external benchmarks, summarising performance of credit risk strategies, emerging trends and alerts for monthly committees.
Conduct in-depth exploratory analysis on different client segments and portfolios, assessing KPIs and ensuring outputs produced are accurate and of a high standard.