Credit Risk Analyst in London

The opportunity

We have an opportunity for a Credit Risk Analyst to join us on the exciting and rewarding path we are taking here at Castle Trust Bank.

Having become a fully authorised bank in 2020, we pride ourselves in being a fintech challenger bank, providing specialist property mortgages, retail finance lending and savings accounts to a variety of customers. 

Proud winners of the ‘Best Place to Work’ award at the Hampshire Business Awards 2023!

Omni Capital, our retail finance division, partners with retailers nationwide to offer customers innovative credit solutions, utilising cutting-edge technology to make purchases more affordable.

We are seeking talented individuals to help propel our thriving business forward.

We are seeking talented individuals to help propel our thriving business forward.

Your impact:

·        Shape and contribute to Omni's credit risk strategy and decision systems.

·        Analyse and interpret data to provide actionable solutions and recommendations.

·        Identify trends, outliers, and anomalies in data and reports to enhance decision-making.

You will also be responsible for:

Credit Risk Monitoring: Oversee consumer lending areas, ensuring alignment with credit risk and affordability strategies within Castle Trust Bank’s risk appetite.

Advanced Analytics: Utilise advanced analytics and modeling to refine credit risk strategy and policy, ensuring compliance and optimal outcomes for customers and the business.

Insightful Reporting: Produce and develop ad-hoc analysis and MI, providing relevant and accurate information and commentary.

Data Enhancement: Collaborate with Technology and Data teams to enhance business data capabilities.

Strategy Implementation: Support the specification, implementation, and testing of credit risk strategy changes.

Collaboration: Work closely with Castle Trust operational areas to deliver an effective credit risk strategy.

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…

What is important to us is that you have the ability to analyse, interpret, and review data to provide solutions, recommendations, or opinions (experience in data aggregation and manipulation would be beneficial.

If you have experience working with management information and commonly used risk metrics, with proficiency in programming languages (such as SAS, SQL, or Python) this would be advantageous.

You will need to be proficient in the use of Microsoft Office, specifically Excel.

A degree in a numerical/quantitative/financial subject would be preferred.

What is equally important is that you are an effective communicator capable of influencing various stakeholders.

You should be adaptable possessing a collaborate approach with excellent problem-solving skills and the ability to work with diverse stakeholders.  

What’s in it for you…

As well as a competitive salary, we offer an annual performance related bonus 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 healthcare benefits through Equipsme.

In addition, all colleagues have free access to TELUS Health 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