Senior Credit Risk Analyst

We’re looking for a Senior Credit Risk Analyst to join our Financial Services Domain. This role sits within the Credit Risk team, supporting the development of the lending strategy to drive long-term, sustainable profit from our Financial Services offering. This will be achieved through the monitoring of the existing strategy, working alongside the team to identify opportunities for changes ensuring good outcomes for customers and the business. 

You would join a team lead by the Head of Portfolio Risk and Collections who is responsible for credit limit management, risk based pricing, collections strategy and portfolio risk management, including IFRS9 modelling. The role is ideally suited to an experienced analyst in a Credit Risk team who is looking for a new opportunity in a growing organisation.  In this role you would work alongside colleagues across the Credit Risk lifecycle, as well as from Digital Operations, Financial Services Product and Compliance.

What will you do as an Senior Credit Risk Analyst at N Brown?

• Responsible for undertaking complex ad-hoc analysis, providing conclusions and recommendations to support the Credit Risk team
• Provide support in the planning, testing and implementation of strategy changes within the credit risk decision engine
• Responsible for the development of new monitoring, as well as the accurate and timely production of regular MI, including insight into these reports for senior management
• Create and undertake analysis to monitor the groups lending strategies and risk decision systems to ensure these are working as expected
• Representing the Credit Risk team across cross-functional projects
• Responsible for the production of the Financial Services key metrics and Credit Risk Key Risk Indicators and how changes in these can affect N Brown performance
• Build effective collaborations with other Credit Risk Managers and Analysts to ensure KRIs are suitable measure current risks.
• Provide support with the month-end IFRS9 process, to investigate any changes in customer behaviour impacting inputs or outputs to the model

What skills and experience will you have?

Essential

• Highly analytical with strong technical skills
• Degree level educated, ideally in a numerate discipline
•  Previous experience of working as an analyst in a Credit Risk team
• Self-Motivated and reliable
•  Strong communication skills
• Accurate with a high attention to detail
• Logical thinker
• Advanced SQL and/or SAS skills are essential
• Advanced user of Microsoft excel
• Ability to collaborate effectively by building good business relationships with your peers across the business

Desirable

• You may have previous experience of working with an IFRS9 model
• You may have previous experience in credit risk model development

What’s in it for you?

• Hybrid working
• 24 days holiday (+ 8 bank holidays) with the option to buy an additional 10 days
• Annual bonus scheme
• Enhanced maternity and adoption leave
• Access to Apricity, a self-funding IVF benefit at a reduced rate
• Company pension with up to 8% N Brown contribution
• Mental Health support both internally and externally, including access to our wellbeing champions and counselling services
• A range of financial wellbeing support
• Colleague discount across all N Brown brands
• Onsite café with subsidised rates and local restaurant discounts!
• Life Assurance and Private Medical Insurance
• Paid volunteer time – all our colleagues can take a full day paid to volunteer for a charity of their choice

N Brown – who we are and why work for us?

At N Brown, we’re committed to building a diverse workforce and creating an inclusive environment that values equality for all. Our vision is that by ‘championing inclusion, we’ll become the most loved and trusted fashion retailer’. Diversity, Equity, Inclusion and Belonging are, therefore, at the heart of our culture.

We’re a forward-thinking digital retailer with a financial services proposition to be proud of. We’re customer-obsessed, serving them through three core brands: JD Williams, Simply Be, and Jacamo. We’re experienced, with over 160 years of trading under our belt. We’re inclusive, as we believe in fashion without boundaries; and we’re sustainable, striving to make as little impact on the planet as possible.

In May 2024 we were delighted to be named one of The Sunday Times Best Places to Work 2024. We work hard to create a happy and inclusive culture for everyone and we’re so proud to have made this list - as voted for by our very own colleagues!

Ways of Working

We offer hybrid working which varies across the business depending on the role you’re in.. Our Head Office is located in the Northern Quarter in Manchester City Centre. So if you are travelling by train, tram or bus we’re perfectly located, plus we’re surrounded by cool cafes, trendy bars and the best places to eat!

Our full-time working hours are 36.17 per week over 5-days. We don’t have strict working hours therefore there is some flexibility around start and finish times as long as you are meeting the needs of the business.

Our promise to you:

We’re an equal opportunity employer and value diversity. We do not discriminate based on race, religion, colour, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.

What happens when you apply to a role at N Brown?

As soon as we receive your application, we’ll send you an email to let you know. We always aim to come back to you as soon as possible with an update and we really appreciate you taking the time to apply for a role with us. Good luck!