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Business Credit Risk Senior Analyst at Virgin Money

Business Credit Risk Senior Analyst at Virgin Money

Virgin Money


Business Credit Risk Senior Analyst at Virgin Money

Business Credit Risk Senior Analyst at Virgin Money
United Kingdom?Remote?Full Time

Business Unit:?Risk ? Credit Risk Portfolio Performance Business
Salary range:??32,000 – ?40,000 per annum DOE + red-hot benefits
Location:?Remote – work from anywhere within the UK

Show the status quo where to go

Our Team
Our Portfolio performance team supports the provision of reports from the relevant information and using their expert knowledge of the credit risk on the portfolio, inherent risks, internal and external influencing factors, make recommendations on strategies and policies, and mitigants where relevant.


What you?ll be doing as a Credit Risk Senior Analyst

  • ?Working collaboratively with Credit Risk, Commercial, Finance and Operational colleagues to identify improvements that maintain regulatory compliance, improve efficiency, or provides additional value to the business.
  • ?Supporting the development of a comprehensive suite of business credit risk portfolio insight, oversight, challenge, and opinion for use across a range of stakeholders including Central Committees and Governance reporting.
  • Providing support to Credit Risk Managers in the provision of meaningful insight and making recommendations for Senior Management.
  • ?Demonstrating a collaborative approach and working alongside other teams in Credit, Risk, and the Commercial areas.
  • Building relationships with the Credit Risk teams at an operational level to ensure that best practice is shared, challenges are raised in a timely manner to constructively shape outcomes and all requests are met.
  • Demonstrating maintenance of our internal Governance frameworks, policies and Regulatory guidelines and ensuring this framework is embedded in the business to ensure sound risk practices are adopted.
  • Working under the leadership of the Credit Risk Manager to support the development of appropriate stakeholder management processes for managing and delivering effectively for internal customers including engaging at an operational level to ensure effective operation of key processes.
  • Delivering high-quality customer service, including implementation of a culture to continuously improve and rationalise processes and related complexity.

    We need you to have

  • Experience in a similar analytical role of product specific experience.
  • The ability to condense and simplify complex information to other members of the team concisely.
  • ?Capability to operate effectively with senior leaders and stand up to robust challenge.
  • ?An ability to support multiple priorities in a fast-changing environment, with experience in prioritising effectively to manage various management expectations.
  • Confidence to raise new ideas from your experience or insight to ultimately influence the business focus.
  • ?Clear understanding of what “looks right? and can accurately review/error check their own and others analysis.
  • ?Good Credit risk knowledge.
  • ?Advanced skills within data mining, manipulation, and summarisation (SAS, SQL, Excel, Powerpoint etc).
  • ?An ability to build strong networks and relationships with internal parties and be a team player.

    It?s a bonus if you have but not essential

  • ?Excellent understanding of data structure and credit risk strategies.
  • ?Understanding of the Legal and Regulatory framework and agenda, and operations of Risk and the wider business.
  • ?Experience in development of management information.

    Red Hot Rewards

  • ?Generous holidays – 38.5 days annual leave (including bank holidays and prorated if part-time) plus the option to buy more
  • ?Up to five extra paid well-being days per year
  • ?20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt
  • ?Market-leading pension Business Credit Risk Senior Analyst at Virgin Money
  • ?Free private medical cover, income protection and life assurance
  • ?Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness
  • ?Ability to work anywhere in the UK (where the role allows)

    And there’s no waiting around, you’ll enjoy these benefits from day one.

    Feeling insatiably curious about this role??Apply as soon as you can. If we?re lucky to receive a lot of interest, we may close the advert early and would hate you to miss out.

    We’re all about helping you?Live a Life More Virgin, so happy to talk flexible working with you.

    Say hello to Virgin Money
    We?re making great strides towards achieving our ambition of becoming the UK?s best digital bank. As a full-service digital bank with a heritage stretching back over 180 years, we`re a workforce to be reckoned with. We’re putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people’s lives. We strive to create positive experiences for our millions of customers and our purpose, ?Making You Happier About Money?, underpins everything we do. We believe in doing banking differently, innovating and working together to make a real difference. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work.

    Be yourself at Virgin Money
    Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities. We?re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.
    As a Disability Confident Leader, we’re committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team?

    Now the legal bit
    Living A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it), but we’ll need you to confirm you have the right to work in the UK.

    If you’re successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years’ worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks ? we’ll ask for six years of regulatory references, and once in the role, you’ll be subject to periodic employment checks.

    Advertised:12 Jan 2024 GMT Standard Time
    Applications close:26 Jan 2024 GMT Standard Time

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