The opportunity
We have an opportunity for a talented Credit Risk Analyst to join us on the exciting and rewarding path we are taking here at Castle Trust Bank. We pride ourselves in being a fintech challenger bank, providing specialist property mortgages, retail finance lending and savings accounts to a variety of customers.
In this role, you will contribute to the credit risk approach, changes to the risk decision systems for Omni Capital (our retail finance business line), analysis & MI and supporting the group in developing further opportunities to diversify its credit footprint.
You will play a key role in monitoring consumer lending at Castle Trust, ensuring credit risk, affordability, and fraud strategies operate within the agreed risk appetite. Using advanced analytics and modelling, you’ll help shape credit risk strategy and policy, so it remains fit for purpose, compliant with regulations, and delivers the right outcomes for customers and the business. The role involves producing insightful analysis and reports, developing effective MI, and working closely with Technology and Data teams to enhance data capabilities. You’ll also support the specification, implementation, and testing of credit risk strategy changes, while collaborating with operational teams to deliver a robust and effective approach.
This role will benefit a hybrid working arrangement, to be based between our London office (3 days) and working the rest of the week from home.
What we are looking for in you...
Minimum criteria for the role:
What is important to us is that you have some proven experience in credit risk, with the ability to analyse, interpret, and review data and ideas before providing a solution, recommendation, or opinion. You should be able to spot trends, outliers & anomalies in data and reports. In addition, you will need demonstrable experience in using Microsoft Office products, specifically including Microsoft Excel.
What is equally important is that you adopt a collaborative approach, are good at problem solving and able to work with a wide range of business stakeholders. It would be advantageous if you have experience in management information and commonly used risk metrics, alongside proficiency in programming languages such as SQL and Python. Experience with Microsoft Power BI and the Databricks platform, as well as expertise in data aggregation, manipulation, and utilisation to drive meaningful insights would also be beneficial.
What’s in it for you…
As well as a competitive salary (up to £37,000 dependent on experience), we offer an annual performance related bonus (up to 10% of base salary) based on individual and company performance. In addition, a generous contributory pension scheme through Hargreaves Lansdown, life assurance, 25 days annual leave (plus bank holidays on top) with the option to buy/sell up to 5 additional days (terms apply). In addition, you will receive an extra day paid annual leave for Volunteering.
Wellbeing is also high on our agenda, and we offer private healthcare through Equipsme. In addition, all colleagues have free access to BHFS Rise EAP to support their health and wellbeing. We also offer free eye test vouchers and discounted gym membership, and if that’s not enough, we also offer season ticket travel loans (if applicable).
Caught your attention? If so, we’d love to talk to you and tell you more about what it’s like to work at Castle Trust Bank – The Place To Work!
Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit.
We are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities, please contact [email protected]
Check out our careers page: https://www.castletrust.co.uk/careers/who-we-are
The journey so farCastle Trust Bank was launched as 'Castle Trust' in October 2012 with backing from leading US private equity firm J.C. Flowers & Co., initially offering investment products and specialist mortgage finance. J.C. Flowers & Co. continue to be Castle Trust Bank's principal shareholder to this day.As the business grew, it expanded its operations with the acquisition of Omni Capital Retail Finance in 2017, adding point of sale finance to its range of services.Recognising an opportunity to develop the business further, Castle Trust began working on its application for a banking licence in 2018. Following a scheme of arrangement, customers voted by an overwhelming majority to convert their investments into savings, giving Castle Trust their support to become a bank.In June 2020, Castle Trust became a fully authorised bank and changed its name to Castle Trust Bank. At the same time, the bank began offering customers approaching maturity the option to reinvest into a new savings account.With offices in the City of London and Basingstoke, Castle Trust Bank serves over 200,000 customers across its savings, specialist finance and retail finance arms. We put customers first We are forward thinking We take professional pride We achieve together We are open and transparent Where you’ll be working Our head office in the City of London is home to our technology, finance, marketing, risk, treasury, and legal teams. We are a short walk from Bank and Liverpool Street tube stations. We have a larger operations centre based in Basingstoke, where our customer services, lending, HR, additional marketing and technology, underwriting, finance and compliance teams reside. Our Basingstoke office is also a short distance from the train and bus stations.What we have to offer: We have ambitious plans and we're always looking for remarkable people to join our talented teams. As well as a competitive base salary we can offer you: Vitality at Work which includes 24-hour GP access, gym discounts, talking therapies and much more Perkbox - an employee engagement platform with perks, discounts and benefits including free mobile phone insurance and gym memberships discounts include ASOS, M&S, EE and free coffee! Life Insurance Contributory Pension Scheme 25 days holiday entitlement Season Ticket Loans, Eye Tests Recognition Schemes Social, Charity and team events Discretionary Bonus You can keep up to date with company news, vacancies and what it's like to work here by following our LinkedIn page.
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Credit Risk Analyst Q&A's