Senior Risk Analyst

at  Nationwide

The Unsecured Credit Risk Team is responsible for managing the Credit Risk of the Society’s Unsecured portfolios, which includes designing effective new lending strategies, managing the credit quality of Personal Loans, Credit Cards and Current Accounts and providing specialist credit risk advice to the business. You should be comfortable working on and leading a wide range of projects, setting an example and coaching analysts, working with large data sets to pull out trends, as well as explaining complex problems in a simple way. You’ll relish the chance to engage with senior leaders across the business and be prepared to think of the bigger picture.
At Nationwide we offer hybrid working wherever possible. More rewarding relationships are supported through our hybrid approach, bringing colleagues together across our UK wide estate, whilst also supporting generous access to home working. We value our time in the office to solve problems, to learn, and to feel connected.
For this job you’ll spend at least two days per week, or if part time you’ll spend 40% of your working time, at our Swindon office. If your application is successful, your hiring manager will provide further details on how this works. You can also find out more about our approach to hybrid working here.
If we receive a high volume of relevant applications, we may close the advert earlier than the advertised date, so please apply as soon as you can.

Given the diversity of the role you will have the opportunity to work on a broad range of projects and workstreams that provide credit risk insights across business communities, while also ensuring we protect our members by staying within the organisation’s Risk Appetite.

To do this you’ll:

• Extract and analyse data from our systems using tools such as SAS, PowerBI, QlikSense, and Excel.
• Create useful and meaningful insights & management information.
• Explain complex messages to non-technical audiences.
• Develop & optimise Credit Risk strategies/ policy to ensure robust controls are maintained, while also supporting Nationwide’s membership base.
• Build and develop relationships with key stakeholders.
• Work with the Systems, Modelling, Product, Oversight and Operational teams.

The challenging, but fun part, is understanding the data and what your analysis means for the organisation and the financial services industry. This job will keep you thinking, your work will be varied and technically demanding, and you could be working on your own or as part of a wider team.
However you undertake your work, the purpose will always be the same – your role will be to support and help drive the development of best in class credit risk strategies that reward our members and deliver value to Nationwide.