Risk Analyst

Company Description

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Job Description

To ensure the business has relevant Management Information available to sufficiently monitor credit profile and performance and then measure against stated risk appetite. 

Analyse outputs and build an efficient reporting capability to identify trends, loan characteristics, asset value, credit quality, concentration risks and performance characteristics.

Manage the division’s impairment models and develop clear documentation and controls. 

Key Role Responsibilities

• As required, design and develop risk reporting strategy, processes and associated data infrastructures, and proactively synchronise with The Bank’s wider reporting cycles, Quality Assurance activity and strategic MI development.
• Produce regular risk and business MI in a high quality, clear, visually rich format which includes insightful commentary, trend analysis and draws out concise conclusions and recommendations to ensure that the Division’s Risk profile is managed within agreed Risk Strategy and Risk Appetite.
• As required, present MI reporting and analysis at Risk Committees.
• Represent the Division on various Project working parties – including IFRS9 and Data quality / Integrity.
• Contribute to cost of risk modelling and forecasting.
• Support development and implementation of scorecards and automated decisioning tools.
• Promote and contribute to the required development of the Bank’s data systems and databases / warehouses.
• Support Product and Risk Policy development initiatives and associated regular review cycles with bespoke data requirements and data
• Support / deliver ad-hoc projects as required by the Risk Director and Managing Director.
• Develop internal network and effective working relationships with key stakeholder.
• Construct comprehensive documentation of all MI and regular reports to ensure knowledge retention within Risk.

Qualifications

Skills & Experience

• Expected to have experience in MI development and Risk Analytics in financial services or equivalent, preferably gained through leading financial institutions.

Education/Professional Qualifications

• Shawbrook is committed to providing opportunities to all candidates, and understand that not all candidates may possess a qualification or education aligned to the role. We will assess each candidate on their individual experience and skills, and not solely on level of education.

Additional Information

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done