Job Title: Senior Risk Analyst
Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues
Hours: Full time, Permanent
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A bit about us:
At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.
The Role:
As a Senior Risk Analyst at BNP Paribas Personal Finance UK, you will be a key member of the Risk Analytics team, providing analytical insight into customer behaviour in order to shape and optimise credit strategy across all of our UK credit products.
- Review and provide recommendations in respect of acquisition and customer management credit risk strategies. Opportunity to utilise a range of data sources such as CRA’s for the development and validation of scorecards, policy rules, pricing, limits management and affordability models, whilst always ensuring regulatory compliance.
- Collate materials to present in senior forums such as risk committee meetings. Ability to showcase your proposals directly to the executive team.
- Ensure effective performance monitoring is in place, proactively identifying and highlighting emerging trends, investigating alerts and developing appropriate solutions to improve business performance.
- Be responsible for supervising and developing junior analysts, prioritising and supporting management of their workload, encouraging knowledge sharing and ensuring team outputs produced are accurate, of a high standard and delivered on time.
- 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 UK Customer base.
- Develop and monitor risk strategies which maximise revenue whilst minimising bad debt on new and existing business lines.
- Ensure key risk management information is in place, supporting business direction within agreed risk appetite.
- Perform a health check of all credit portfolios against internal and external benchmarks, summarising performance of credit risk strategies, emerging trends and alerts for monthly committees.
- Conduct in-depth exploratory analysis on different client segments and portfolios, assessing KPIs and ensuring outputs produced are accurate and of a high standard.
Skills & Attributes:
- Can independently code in at least one of the following programming language; SAS, SQL or Python
- Understanding of; credit lifecycle, CRA’s, financial products, economic conditions
- Working on different financial products in an analytical role within a Credit Risk function
- Good knowledge of Statistics
- Experience of lending products such as Cards, Loans, Retail or Motor finance
- High level of accuracy and attention to detail
What’s in it for you?
Joining BNP Paribas Personal Finance means becoming part of a Top Employer UK dedicated to making a difference to the lives of our customers. Along with a fulfilling career, you'll be able to enjoy a benefits package which you can tailor to your lifestyle and needs, with key highlights including;
- Competitive salary and a contributory pension scheme
- Access to our Health Cash Plan Scheme
- A multi-award-winning flexible benefits platform offering life insurance, private medical insurance, or lifestyle benefits that include discounts on dining, cinema, and days out
- The opportunity to buy and sell holidays, giving you even more control over your work-life balance
Could this be you?
Making a positive impact is at the heart of everything we do – whether for our colleagues, customers, partners, or the community. We live by our values: We’re positive, we’re brave, and we own it. We believe a positive attitude and a passion for making things happen matter most. Don’t let confidence hold you back – there’s no such thing as a ‘perfect’ candidate. If you meet 75% of the requirements for this role, we want to hear from you! Whether you're considering a career change or exploring a sector jump, we welcome applicants with transferable skills.
Apply now to express your interest and discover how you can make a meaningful contribution to our dynamic team.
To learn more about careers at BNP Paribas Personal Finance UK, visit our website: https://www.bnpparibas-pf.co.uk/careers.
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.
