Tandem Bank
Digital Banking
SeniorCreditRiskAnalyst
“Senior Credit Risk Analyst at Tandem Bank. Skills: Credit Risk Strategy, Decisioning Analytics, Scorecard Management, MI and Analysis Production, Stakeholder Engagement. Designing, reviewing and optimising applications credit risk strategies, including policy rules, scorecard cut-offs and affordability decisioning. Managing the ongoing performance of application scorecards, identifying emerging risk, performance drift or opportunities to improve risk-return outcomes”
What You'll Achieve.
improve risk-return outcomes; confirm strategies perform in line with expectations and the Bank’s risk appetite
Industry & Context.
analytical capability; translate complex analysis into clear strategic recommendations; identifying emerging risk, performance drift or opportunities to improve risk-return outcomes
What They're Looking For.
Must Have
experience in credit risk strategy or decisioning analytics within a banking or consumer lending environment, Proficiency in SQL, SAS and Excel (Advanced) with a credit risk modelling and scorecard environment, Hands-on experience managing or using application scorecards and credit decision frameworks, analytical capability, with the ability to translate complex analysis into clear strategic recommendations, Experience producing high-quality MI and presentations for senior stakeholders and governance forums, Good understanding of the end-to-end credit lifecycle, particularly the front-book / applications stage
Nice to Have
Exposure to model development techniques (e. g. logistic regression, machine learning models) and model governance processes, Experience using Python, Experience working with decisioning platforms and strategy deployment tools, Familiarity with UK regulatory expectations relevant to retail credit (e. g. risk appetite, Consumer Duty, model risk governance), Experience across multiple lending products (e. g. motor finance, personal loans, mortgages)
What You'll Do.
reviewing and optimising applications credit risk strategies
including policy rules
scorecard cut-offs and affordability decisioning
Managing the ongoing performance of application scorecards
identifying emerging risk
performance drift or opportunities to improve risk-return outcomes
Supporting the development
enhancement and implementation of new scorecards and segmentation approaches in partnership with Credit Analytics and Model Risk teams
decision-focused MI and analysis covering application volumes
risk performance and strategy impacts
Delivering insight and recommendations to senior management and Credit Committees
contributing to strategy papers and governance submissions
Leading or supporting the deployment of credit strategy changes into live decisioning environments
ensuring changes are well-controlled and appropriately governed
Monitoring post-deployment outcomes to confirm strategies perform in line with expectations and the Bank’s risk appetite
Working closely with Product
Technology and Operations to support new product launches
policy changes and strategic initiatives
Helping to continuously improve credit strategy frameworks
documentation and controls
ensuring alignment with regulatory and internal standards
How You'll Work.
Team & Collaboration
partnership with Credit Analytics and Model Risk teams; Working closely with Product, Underwriting, Technology and Operations; contributing positively to a collaborative strategy team; Confident engaging and influencing stakeholders across Risk, Product and Technology
Communication Scope
translate complex analysis into clear strategic recommendations; Experience producing high-quality MI and presentations for senior stakeholders and governance forums; Confident engaging and influencing stakeholders
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