Senior Risk Analyst
Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues
Contract: Full-time, Permanent
About Us
At BNP Paribas Personal Finance, we’re part of a global banking group with a simple mission: to provide straightforward consumer finance solutions that help customers make responsible financial decisions. We partner with leading UK retailers and brands to support their customers finance purchases responsibly.
The Role
As a Senior Risk Analyst at BNP Paribas Personal Finance UK, you will play a pivotal role in shaping the credit strategy for all UK credit products. This position offers significant exposure to senior leadership and cross-functional teams, empowering you to influence business decisions and drive innovation and risk analytics.
Key Responsibilities
- Strategic Credit Risk Leadership: Lead the review and optimisation of acquisition and customer management credit strategies, leveraging diverse data sources, including credit reference agencies, to develop and validate scorecards, policy rules, pricing, limits management, and affordability models.
- Business Performance & Insight: Conduct in depth portfolio management analysis that evaluates the risk profile of the customer base. Proactively monitor performance, identify emerging trends, and recommend actionable solutions to enhance business outcomes.
- Executive Engagement: Prepare and present analytical insights at senior forums, including risk committee meetings, with opportunities to showcase proposals directly to the executive team.
- Project & Stakeholder Management: Plan, control, and deliver assigned projects, collaborating with Central Risk, Finance, Marketing, Operations, and external partners. Drive new lending strategies within agreed risk appetite and participate in cross-functional initiatives.
- Team Leadership & Development: Supervise and mentor junior analysts, managing their workload, fostering knowledge sharing, and ensuring high-quality, timely outputs.
- Continuous improvement: Identify opportunities for cost reduction, process enhancement, and service improvement, always prioritising fair customer treatment and compliance with legal, regulatory, and data protection requirements.
Skills and Attributes
- Experience: A track record of managing risk within the consumer lending space.
- Education: A degree or higher in a quantitative field such as Statistics, Mathematics, or Computer Science.
- Technical Skills: Expertise in coding with Python, SAS, or SQL, and a mastery of advanced Microsoft Excel Functions.
- Analytical Aptitude: A strong statistical background and a knack for analytical problem-solving.
- Communication: The ability to transform complex data and analysis into compelling, easy-to-understand concepts.
- Prioritisation: Proven success in managing complex projects and prioritising effectively under pressure in a dynamic environment.
Could this be you?
Making a positive impact is at the heart of everything we do. We’re looking for people who live by our values, who are positive, brave, and own it. Don’t let confidence hold you back. You don’t need to meet every requirement - if you have around 75% of the skills and the right attitude, we’d love to hear from you.
What’s in it for you
As a Top Employer UK, we offer a supportive, inclusive environment and a flexible benefits package that you can tailor to your lifestyle. Highlights include:
- Competitive salary and comprehensive package, contributory pension, and health cash plan
- Opportunity to buy/sell holiday giving you even more control over your work-life balance
- Flexible benefits including private medical insurance and lifestyle discounts
- A culture that values collaboration, development, and wellbeing
Apply now to join a team that makes a real impact.
Learn more about careers with us: https://www.bnpparibas-pf.co.uk/careers
Your Application Journey
- Call with our Talent Acquisition team
- Informal chat with the Hiring Manager
- Competency-based interview
We aim to complete the process within 3-4 weeks, depending on availability. If you’re not shortlisted, we’ll still let you know the outcome. Please note that this role may close early once we have enough suitable applicants, so apply soon.
Equal Opportunities
We’re committed to creating an inclusive workplace and ensuring equal opportunities for all, regardless of age, disability, gender, identity, race, religion, sexual orientation, or background.
