Senior Credit Risk Analyst

We have an exciting opportunity for a Senior Credit Risk Analyst to join our Credit Risk function here at YBS.

The Credit Risk team is an integral part of YBS’s Risk function. We pride ourselves on working collaboratively with our colleagues in teams across the business, including Trading, New Product Development, Direct and Intermediary Distribution, Finance and Collections & Recoveries to ensure we’re identifying, mitigating and managing conduct, credit and operational risks. This allows us to provide a fantastic experience for our customers and provides sustainable growth and performance for our members.

Above all else, the Credit Risk function helps YBS to deliver real help with real lives in a safe and responsible way.

As a Senior Credit Risk Analyst you’ll be a key member of our team, leveraging your Credit Risk expertise to help YBS deliver its objectives. You will get the chance to be involved in a range of interesting projects and initiatives. Some of the areas you could be responsible for

• Ensuring our key credit risk controls such as lending policy, affordability and scorecards are operating effectively. You'll proactively identify areas of risk and/or opportunity to ensure these controls remain robust and appropriate - for example working with Mortgage Trading to make a change that helps keep the society within regulatory limits on higher risk lending exposure.
• Supporting YBS’ growth aspirations whilst ensuring lending is responsible. You will work with other areas of the business, gaining approval for strategic changes to our lending policy to support business growth whilst ensuring credit risks are managed.
• Analysing portfolio and customer data. Build an in-depth understanding of the internal and external data held across the society drawing insight to inform the risk exposures and assurance levels across our retail lending portfolio.
• Ensuring high quality, insightful credit