Senior Credit Risk Analyst is an integral role to the business in ensuring that there is a fit for purpose Credit Risk policy in place and underpinned by robust processes & procedures. The primary role of the Senior Credit Risk Analyst is to build & continually develop the Credit Risk policy rules to compliment the companies risk appetite in maximizing revenue and minimizing losses.

Role:

• Manage day to day 3rd Party Suppliers i.e. Credit Bureau etc
• Review and maintain the Credit Strategy and Risk operating models to manage acquisition, bad debt and churn strategy
• To work with Debt Recovery, Sales, Commercial & Legal/Compliance leads to implement any recommended policy/process changes.
• Perform systematic and regular reviews of the Credit vetting strategy, proposing relevant changes with key stakeholders through agreed governance
• Propose changes to collections processes and strategy in a transparent manner with key Collections stakeholders, ensuring any potential risk is highlighted via Risk Profile Reporting/Analysis
• Manage the delivery of reporting and analysis relating to risk assessment performance, risk profile, customer experience and the financial benefit associated with Credit Risk processes i.e. debt/loss avoidance
• Work closely with the collection's teams regarding debtor performance and to ensure that operational requirements are met.
• Provide project support accordingly including Modelling, Forecasting, Cash Flow and Bad Debt for business justifications
• Continued development and understanding of Credit management tools at both System and process level.
• Work with Legal to ensure Credit Risk policy and Processes are aligned to legal and regulatory terms and conditions

Skills & Experience:

• Good working knowledge and experience of Debt Management, Acquisition and Credit Management functions
• Understanding of relational databases.
• Data mining design skills
• SQL Language Skills.
• Statistical Analysis Skills.
• Experience of Liaising with Senior Managers.
• Experience of using Microsoft Office packages, Excel, Access, Word and PowerPoint
• Experience working with Sets of Data
• Scorecard Development Experience
• Understanding of Financial Practices
• Ability to plan and organise both teams and own workload.
• Ability to work on own initiative
• Ability to build and maintain strong working relationships with other departments
• Capable of consistently working to a high standard
• Ability to effectively communicate with all levels of the organisation