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Job Title: Senior Risk Analyst – Risk Anticipation
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:
Assist in tracking the bad debt performance against forecasts on a monthly and ad hoc basis to identify variations and carry out root cause analysis. This includes maintaining IFRS9 models and recalculating provision rates for all BNP Paribas PF UK portfolios.
Identifying ways to improve the accuracy of the provisioning models, providing information, analysis and technical support for the development of loss forecast models.
To supervise risk analysts as requested, taking responsibility for the work that they undertake.
The Risk anticipation team are a crucial aspect of risk informing the business of current, past and future credit risk performance in line with the accounting and BNP Paribas group standards and this role is a key component of that team.
Key Responsibilities:
- Assist in the monitoring of all models against forecast to identify adversities.
- Provide root cause and investigative analysis on a regular basis
- Supply management reports, which evaluate the Cost of Risk of the BNP Paribas PF.
- Provide month end results, balance structures and report Internally, to group and regulators in a timely and accurate manner
- Communicate effectively with the different stakeholders, including IT, other business units and/or Group to ensure the projects are progressing correctly.
- Perform the economical valuations of Non-performing Loans portfolios to assess potential debt sales
Skills & Attributes:
- Proven experience in SAS Base / SQL or similar programming language
- Existing knowledge of credit bureau data and products.
- Proven experience in Risk Management or a data analysis function
- Prior knowledge of forecasting
- High level of accuracy and attention to detail
- Ability to communicate and influence all levels of management and work with other departments
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.
