The Senior Credit Risk Analyst is an integral role 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 Snr Credit risk analyst is to build & continually develop the Credit Risk policy rules to compliment the companies risk appetite in maximising revenue and minimising bad debt losses.

The Role includes:

• To work with the CR Director & HO Debt Recovery to ensure a fit for purpose robust Credit Risk policy & set of processes/procedures
• To manage and deliver key analysis and reporting to all key stakeholders & functions i.e. Collections, Operations, Sales, Finance
• Ensure Business Scorecards are in place and reviewed on a regular basis to maximise sales, reduce refers/declines without impacting on the company's credit risk/bad debt.
• Review recommend & deliver flexible scorecards across all Business Markets/Products ensuring they are robust and fit for purpose.
• To build relationships with key figures in Finance, Operations, Sales and Collections/Debt Recovery to ensure clarity of process, clear and tangible objectives and a cohesive approach to risk.

Responsibilities

• Manage day to day 3rd party suppliers i.e. Credit bureau
• To work with the HO 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