Established in 1992, Moneybarn is the UK's leading lender of vehicle finance for the non-prime market. As part of the Provident Financial Group they have a firm focus on lending responsibly and providing finance to thousands of people each month to better their lives on the road.

They understand that a reliable car, van or motorbike is more than just a vehicle and they have a passion for getting their customers where they want to be. It's this approach that has won them multiple awards. They were recently awarded 'Non-Prime Lender of the Year' at the Motor Finance Europe Awards 2020, Feefo's Platinum Trusted Service Award 2020 and 'Best Brand' at the Lending Awards 2020.

Website: https://www.moneybarn.com/

Facebook: https://www.facebook.com/moneybarn/

We have an exciting opportunity look for a Credit Risk Analyst to join our growing Credit Risk department. This opportunity will give the ideal candidate to be part of a grouping company and work closely with senior stakeholders across our business and the wider Provident Financial Group.

As a Credit Risk Analyst you will be responsible for:

• Undertake case retrospective analysis to obtain insight on relevant data and trends to be used to target credit policy enhancements.
• Maintain an effective feedback loop on the output of such analysis.
• Ensuring that any actions identified from the retro reviews are logged and followed up.
• Responsible for the running and management of relevant reports.
• Complete a monthly report detailing the output of the retrospective analysis and suggest any recommendations to credit policy or processes.
• Working with the team to assist in the delivery of team objectives.
• Support line managers in the operation and improvement of policies and procedures.
• Monitor compliance to credit policy and procedures.
• Adhere to FCA Conduct Rules
• Other support to the Credit Risk function as required.

Person Specification:

• Attention to detail
• Remains calm under pressure
• Ability to work on own initiative as well as part of a team
• Able to develop a plan of approach but if the situation demands it then able to adapt
• Good time management working to tight deadlines
• Excellent communication skills, both written & verbal
• A common sense approach
• Comfortable working with and understanding complex end to end processes
• Ability to critically analyse information and identify patterns and themes
• Comfortable presenting feedback and results to both peers and managers

Essential:

• Some experience of working in a previous assurance, audit or review role
• Some experience of developing and applying policies
• Experience of working in a regulated environment
• Strong analytical skills
• Ability to make decisions based on own judgement and discretion, then explain rationale to senior team
• Excellent Microsoft Office (including Word and Excel) skills

Desirable:

• Understanding of Consumer Finance and/or Vehicle Finance
• Experience of developing and applying credit policies
  

You'll get all the usual benefits

• Competitive salary
• Pension scheme
• Life insurance
• 25 days holiday + increased holiday entitlement subject to long service
• Enhanced maternity, paternity and adoption pay scheme

Plus, a few bonus ones

• On-site gym with fitness coaching
• Access to Perks for Work scheme
• Yoga and Core strength classes
• Fresh fruit deliveries
• Wellbeing presentations
• Barney Bikes
• Barney Breakfast
• Stock purchase schemes
• And many more...

Important notes

- We will keep your CV on our records for 12 months after your application. For more information about how we collect, use and share your personal data when you apply for a role with us, please see our Applicant Privacy Notice available here.

- We will carry out full financial checks and Criminal Record Bureau checks as part of the recruitment process for all roles

- As an employer that believes in the importance of cultural diversity in the workplace, we've signed up for the National Equality Standard (NES).