The FCA is investigating the use of discretionary commissions arrangements between motor finance providers and brokers. Specialist Motor Finance have never used discretionary commission arrangements, as such none of our customers are impacted. Our agreements state that we pay a commission to our brokers but there is no discretion for the broker to impact the customer rate.

Customer: 01244 200 746

Business Partner: 01244 200 766

Customer Portal

Customer: 01244 200 746

Introducer: 01244 200 566

Search site
logo

Credit Risk Analyst

Credit Risk Analyst – Permanent – up to £43,000 – Hybrid working – Chester Business Park

Specialist Motor Finance offer hire purchase agreements to customers who are not accepted by the mainstream lenders through a panel of motor introducers.

Established in 2014, SMF have built up a reputation for providing a strong product range, offering quick decisions through the application process and a collaborative approach to working with our customers throughout the life of their agreement.

About the role

This is an exciting opportunity for a Credit Risk Analyst to join the growing Credit Risk Collections Strategy function of this organisation.

As part of our Risk team, the role is primarily tasked with providing assurance that the company is operating within its credit risk appetite. This is done through oversight of the business lines and production, maintenance and enhancement of credit risk reporting and analysis.

As a Credit Risk Analyst, the successful candidate will undertake both routine and project work involving the analysis of credit risk performance, to contribute actively to our business strategy.

Producing and distributing management information, you will support the building and development of credit metrics, as well as projects to deliver credit risk control.

Key responsibilities

  • Performing detailed and well documented analytical analysis to support the development of strategies, policies, models and processes.
  • Developing and maintaining Collections systems
  • Delivering credit risk reporting for management on a monthly and quarterly basis and enhancements through automation.

Candidate requirements

  • An understanding of the concept of retail credit risk management with a grasp of the basic principles of credit scoring. An awareness of the credit lending business and the full customer lifecycle, including new lending, account management, fraud prevention and arrears management.
  • Knowledge of analytical software such as SAS Enterprise Guide, or SQL
  • Graduate or postgraduate qualification in mathematics, statistics, data modelling/ or a similar analytical discipline
  • Analytical thinker
  • Highly proficient with MS Office, specifically Excel & PowerPoint.
  • Methodical approach to investigation but with the ability to see and think outside the box when required.
  • Good time management skills – ability to manage own workload and be flexible. Ability to prioritise workloads for optimum performance.
  • Resilient to setbacks, with the tenacity, drive and keen eye for detail required to solve complex challenging problems.
  • Strong communicator – able to deliver technical or in-depth analyses to a non-technical audience. Excellent written and oral communication skills.
  • Self-motivated, requiring minimum supervision.
  • Ability to contribute as a team player. Strong collaborator.
  • Conscientious, with an ability to take appropriate action when required to meet deadlines.
  • Proactive in achieving individual and departmental goals.
  • To strive for excellence in all aspects of the role.
  • To demonstrate the Company’s Vision and Values at all times.

The successful candidate will be required at all times to act within the standards expected within Consumer Duty and comply with The Conduct Rules which set the minimum standard of individual behaviour expected when carrying out a role at Specialist Motor Finance. These rules include:

  • You must act with integrity.
  • You must act with due skill, care and diligence.
  • You must be open and cooperative with the FCA, the PRA and other regulators.
  • You must pay due regards to the interests of customers and treat them fairly.
  • You must observe proper standards of market conduct.
  • You must act to deliver good outcomes for retail customers.

Employee benefits

  • Pension scheme – up to 8% contributory pension
  • 26 days holiday + banh holidays + Purchase additional annual leave
  • Employee referral programme
  • Perks at Work
  • Above and Beyond awards
  • Income protection scheme
  • Employee of the Year
  • Long Service awards
  • Discretionary annual bonus
  • Life assurance
  • Discounted gym membership
  • Flexible working
  • Training and exam sponsorship
  • Employee assistance programme
  • Paid volunteer days
  • Social events

Additional Information:

We will keep your CV on our records for 12 months after your applications. We carry out credit checks and DBS checks as part of the recruitment process for all roles.

Apply now:

Hidden
Max. file size: 2 MB.
This field is for validation purposes and should be left unchanged.