Credit Risk Consultant

Department: Credit Risk Analysis

Job Title: Consultant

Reports To: Associate Director

Responsibility to Others: N/A

Purpose of Role:


  1. Development of Risk and Pricing models for a wide range of clients mainly in financial services and telecommunications.

  2. Validation of models for clients, through model review, identifying model weaknesses and proposing solutions.

  3. Support the business in organising and delivering projects set.

  4. Support the Senior Management Team in the identification of opportunities for and delivery of statistical analysis and modelling projects.

  5. Evaluate developments and develop new areas of specialism to take to the market.


  1. Provide advisory services to clients on local Regulatory matters.

  2. Advise clients on common and best practice in relation to analytical and modelling approaches.

Team Summary

The business is an established organisation in the Risk Modelling and Analytical services market. We pride ourselves on our ability to identify and develop innovative solutions for our clients, continually driving performance and service standards thereby cultivating long-term client relationships.

The Credit Risk Analysis Team is integral to the formulation of these solutions. With a focus on continuous improvement, the team has wide experience in evaluating portfolios, assessing value and risk, managing accounts and collection strategies and projecting impairment and capital requirements under IFRS9 and AIRB. The team is experienced in risk and database analysis, SAS programming, and statistical modelling. We work closely with clients and all members of the team interact with our customers directly on a daily basis.

The Risk Consultant is a fundamental position within the team, delivering management information, analysing performance and behaviour, forecasting future activity, deriving insight, and delivering recommendations to the business.

The successful applicant will have the opportunity to gain experience and knowledge by working with an innovative team of like-minded people, not only focusing on existing Regulation but on changes to the industry, for example IFRS9.

Envisaged Balance of Role

Analysis 25%

Modelling and Validation 30%

Communicating 30%

Reporting 15%

Key Responsibilities: (Critical Job Complexities)

  1. Complete projects set by line manager and the business accurately and within the scope and deadlines set.

  2. Deliver own analysis and modelling projects and work with others in the team to deliver larger projects as required.

  3. Work with areas of the business to identify opportunities for increasing value through the application of analysis and modelling techniques.

  4. Present and discuss results with senior management.

  5. Work with operational managers to test the effectiveness of existing and new business strategies and synthesise the results with other knowledge to recommend new strategies and plans.

  6. Proactively identify areas for improving the Credit Risk Analysis Team capability.

  7. Undertake ad hoc activities as required.

  8. Ensure all data is managed securely, maintained appropriately and analysed correctly in line with Data Protection legislation and industry regulation.

  9. Work within the company Health and Safety policy.

Knowledge and Understanding required (competencies)

  1. Academic – 2:1 Numerate degree with a strong statistical content.
    Statistics, Mathematics, Operational Research an advantage.

  2. Experience – 2+ years working as an analyst in either a Risk or Marketing environment.
    Financial Services and Debt experience an advantage.

  3. Analysis Packages – SAS. Given the team’s use of SAS, working knowledge is essential.
    Experience of R or Python an advantage

  4. Data – Manipulating and analysing large datasets with customer information.
    Knowledge of Data Protection legislation an advantage.

  5. Communication Skills – Good communicator: verbal, written, and bringing results and recommendations to life. Strong influencing and interpersonal skills.

  6. Passionate about the business impact of analysis, driven by continuous improvement and attention to detail.

  7. Knowledge of local regulatory environment across areas such as IFRS9, Basel
    Knowledge of regulatory activity outside of the UK an advantage in areas such as TRIM, CECL.

Please send a cover letter and CV to