Job details

Credit Risk Analyst

Job reference: 002744

Closing date: 30/04/2019

Salary: up to £34,000 per annum

Department: Financial Services

Hours per week: 36.17 hours per week

Here at N Brown we are looking for a Credit Risk Analyst to join our financial services division. Reporting to the Receivables Strategy Manager within our Financial Services Department this successful candidate will have previous experience working as a Credit Risk Analyst in a financial service’s or credit environment. In the role you will be required to manage and optimise Customer Recovery processes and systems by actively seeking ways to drive sustainable, incremental benefit from receivables book either through profit generation or cost savings. 

 What you’ll be responsible for as Credit Risk Analyst:

  • Manage and optimise Customer Recovery processes and systems.
  • Actively seek ways to drive sustainable, incremental benefit from receivables book either through profit generation or cost savings.
  • Ensure that appropriate reporting is in place to monitor the interactions between Financial Services and the Receivables book.
  • Develop and apply a strong ethos of continual improvement, one of design, develop, test, implement, monitor, refine.
  • Prevent, monitor, seek out and remove causes of Customer detriment particularly where they originate from or result in customer arrears.
  • Manage part of the arrears and arrears prevention communications strategy including being responsible for the selections, timing and content of communications. Content needs to be appropriate, compliant and effective.  The effectiveness of communications should be monitored, tested and enhanced.
  • Develop and employ the use of best in breed data mining techniques, profitability analysis, A/B testing, reporting and ad-hoc investigations to refine and optimise Credit and recovery processes.

What you’ll need to succeed:

We’re looking for a commercially aware individual with experience of working in a financial services environment. The successful candidate will need detailed knowledge of the arrears/recovery cycle, systems and be aware of relevant legislation and guidance relating to Financial Services and communications.   

You should also be analytical, inquisitive, have an eye for detail and good business and commercial awareness along with strong Excel / Microsoft Office skills.

A flexible approach and exceptional time management skills are essential; you will need to be comfortable managing a varied workload whilst maintaining accuracy. You’ll also need excellent written and verbal communication skills as this role will involve building effective working relationships with teams across the business.

Employees in our business may have access to our customers’ personal data therefore for a number of our roles, offers of employment are subject to a satisfactory criminal record check. Having a criminal record will not necessarily prevent an individual from obtaining a position with JD Williams