Job Title: Senior Risk Analyst

Location:  Solihull – Hybrid 2 days office

Hours:  Permanent-Full Time

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 A bit about us: 

At BNP Paribas Personal Finance, we’re part of a global bank and are proud to be a Top Employer UK, providing a great place to work in an open and inclusive environment.  

We’re here to provide simple and straightforward consumer finance solutions and we work with many well-known retailers and brands to help their customers finance their purchases in a responsible way. 

 We care about making a positive impact for our colleagues, customers, partners and the wider community. That’s why we live by our values of we're positive, we’re brave and we own it. 

The Role:

As Senior Risk Analyst you will be a part of the Risk Analytics team, taking responsibility for optimising profitability safely across all UK credit portfolios.

You will review and provide recommendations on acquisition and customer management credit risk strategies. This will include utilising a range of data sources such as CRA’s in the development and validation of scorecards, policy rules, pricing, limits management and affordability models, whilst ensuring regulatory compliance.

You will ensure effective performance monitoring is in place, proactively identifying and highlighting emerging trends, investigating issues and developing appropriate solutions to improve business performance.

You may be responsible for supervising junior analysts, prioritising their workload, encouraging knowledge sharing and ensuring outputs produced are accurate and of a high standard.

You will ensure that lending follows the correct standards of the business, whilst treating customers fairly by putting them at the heart of everything we do. You will support the BNP Paribas group strategic plan to accelerate growth, technology and sustainability.

Key Responsibilities: 

  • Provide portfolio management reports which evaluate the risk profile of the BNP Paribas Personal Finance Customer base.
  • Develop and monitor risk strategies which maximise revenue whilst minimising bad debt on new and existing business lines.
  • Build and maintain relationships with Central Risk, Finance, Marketing and external teams, whilst delivering new lending strategies within the agreed risk appetite.
  • Plan, control and deliver assigned projects, and participate as appropriate in cross functional projects and investigations, ensuring requirements are delivered to plan.
  • Ensure key risk management information is in place in order to support business direction within agreed risk appetite.
  • Identify areas of cost reduction, service and process improvements that will results in adding value to the business whilst treating customers fairly.
  • Perform a health check of all credit portfolios against internal and external benchmarks, summarising performance of credit risk strategies, emerging trends and issues for monthly committees.
  • Conduct in-depth exploratory analysis on different client segments and portfolios, assessing KPI’s and ensuring outputs produced are accurate and of a high standard.
  • As requested, liaise with other departments or external organisations e.g. Credit Bureau on any current or future initiatives.
  • Liaise with all levels of seniority across the business

Skills & Attributes: 

  • Can independently code in at least one of the following programming language; SAS, SQL or Python
  • Strong experience in Microsoft Excel
  • Good knowledge of Statistics
  • Presentation skills
  • Strong analytical background
  • Prioritise and organise for self and others
  • Generate ideas to challenge existing business practices
  • Take initiative and ownership of work
  • Build relationships internally and externally
  • Flexible with business needs
  • Evidence planning and managing Projects
  • Supervise and train junior analysts if required
  • Understanding of; credit lifecycle, credit bureau, financial products, economic conditions
  • Experience working on different financial products

Could this be you? 

BNP Paribas Personal Finance believe it’s a positive attitude and passion to make things happen that matters most. 

What’s in it for you? 

As well as working for a Top Employer UK 2022 and being part of a team that changes customers’ lives, there are some excellent benefits too including - a competitive salary, a contributory pension scheme, plus life insurance and private medical insurance, not to mention the all-important 25 days holiday each year to enjoy.  There are also perks which give you fantastic discounts off eating out, cinema tickets, days out and much more.  There are also monthly awards with plenty of opportunities to win vouchers and prizes.  Learn more about what it means to be part of the BNP Paribas Personal Finance team here: BNP Paribas Personal Finance UK - YouTube or click here to learn more about careers at BNP Paribas Personal Finance: Careers (bnpparibas-pf.co.uk).

Equal Opportunities Disclaimer

BNP Paribas Personal Finance promotes equality of opportunity and is committed to ensure that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation.


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Primary Location
GB-ENG-Solihull
Job Type
Standard / Permanent
Job
PERMANENT CONTROL
Education Level
Not indicated
Schedule
Full-time
Reference
RIS001953

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