Credit Risk Analyst

Credit Risk Analyst

We’re offering an exciting opportunity for a Credit Risk Analyst to become part of our MI and Insight team. This role provides broad exposure to the full credit lifecycle of mortgage products, offering a unique vantage point into how credit decisions shape outcomes.

This role is perfect for someone with a foundation in analytical work or a background in a numerical discipline, who’s keen to explore the world of Credit Risk. Whether you're looking to build on existing experience or take your first steps into the field, it offers a strong platform for professional growth and long-term career development.

About the Role

This position plays a key role in supporting Credit Risk management through the extraction and analysis of data to create accurate, insightful management information. These outputs help monitor the performance and characteristics of the Society’s lending portfolio and guide strategic decision-making at the senior management level. As part of a team that actively influences the direction of the business, this role offers a valuable opportunity to gain hands-on experience in both Credit Risk and the broader Financial Services sector. Key responsibilities include:

• Perform basic analysis and running of existing code to produce timely and accurate Credit Risk management information and communicating any trends or concerns to management and decision making committees both written and verbally.
• With guidance and support, utilise best practice data manipulation and analytical techniques to perform analysis of the Society’s Credit Risk portfolios and develop new reports to enable strategic decision making.
• Develop an understanding of the credit risk lifecycle for residential, buy-to-let and commercial mortgages, and leverage that understanding to add value to your analysis.
• Manage small to medium analytical projects and provide analysis to senior team members ensuring requirements are met and analysis is accurate.

About You

• Credit Risk understanding would be beneficial but not essential as training will be provided to gain full competence.
• Experience of data manipulation and a working knowledge of SAS (or similar statistical packages), SQL, Power BI and Microsoft Excel are desirable.
• Strong analytical and problem-solving skills.
• Strong organisational and prioritisation skills.
• Continuous improvement mindset and a committed attitude to personal development and learning

About us

At YBS we don’t have shareholders, we have members. We care about people and that includes you. So here, you’ll be respected for who you are, you’ll be able to bring your whole self to work, and you’ll have everything you need to build a long and rewarding career.

Flexibility. We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it’s finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you. We’re happy to talk flexible working and you can reach out to us anytime to discuss this during the recruitment process.

Development. We want you to feel challenged here. Whatever your ambitions, we’re committed to helping you develop your skills and move ahead in your career journey. From day one, we’ll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.

Inclusivity. We’re passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you’ll go the extra mile to help our members, you’ll fit right in and feel you belong here.

About our Benefits

We offer lots of fantastic rewards that you can make the most of in and out of work, including:

• Holiday. You’ll get 25 days plus Bank Holidays, as well as the option to buy up to a further 5 days.
• Bonus. At YBS we work collaboratively and share in our success together, so when we reach our goals were all rewarded with an on target bonus of 7% of eligible pay (with the opportunity to earn up to a maximum 15%).
• Pension. We know how important it is to save towards the future, that’s why we’ll contribute up 11% into your YBS pension.
• Healthcare. Health and wellbeing are an important part of life at YBS, when you join us you’ll have access to a range of health benefits to suit your life including private medical insurance, dental and healthcare plans.
• My Benefits. When you join YBS you’ll have access to our self-service benefits portal, where you can access a range of retail, hospitality and health discounts.

Ready to apply?

If you’re excited about this role and want to be part of the YBS team, click apply now to send us your application.

Want more information?

If you have any questions about this role, please contact Olivia Lambert at Olambert@ybs.co.uk