Senior Credit Risk Analyst – Motor Finance Experience Required

Do you want to be part of a force for good, helping to make life better for customers & society in the moments that matter? At Hodge, we put people at the heart of our business and that means our customers, colleagues and communities. Hodge is a Welsh financial service provider that focus on commercial lending, and specialist residential mortgage markets.

We’re on the lookout for a senior credit risk analyst to support first line risk monitoring and analysis of motor finance and mortgage portfolios in this exciting new role within our expanding business. 

What we need from you: 

• Previous experience in Credit Risk which must include motor finance  
• Strong data manipulation skills and experience of using software tools such as SAS, Python, R, SQL (list not exclusive) to extract and manipulate large and complex data from a data warehouse  

In return we offer:

• Salary up to 60k.
• 35 hours per week.
• Based in Cardiff City Centre operating in a flexible Hybrid workspace.
• Private Medical & Health Insurance
• 28 days Holiday with the option to buy more.
• Subsidised Gym Membership.
• Extensive learning and development programme
• Generous, personalised benefits package
• Company pension contribution up to 15%
• 4 days on top of annual leave for community and charity work
• Flexible working options

Key responsibilities will include: 

• To deliver regular insight into portfolio health, highlighting potential risks and threats, and proposing appropriate mitigating actions. 
• Support the risk culture of the organisation by taking personal responsibility for identifying and managing risks in everything you do.  
• To keep abreast of external economic and market conditions that could impact the business.  
• Develop a suite of MI to monitor quality of the new lending and existing business. 
• To collate, clean and summarise customer data and customer performance data from appropriate sources, ensuring accurate information is supplied to the business. 
• Strong knowledge of the regulatory framework and ensuring policies and processes are compliant with regulations  
• Presenting to Retail Risk committee. 
• Communicate complex analyses, insights, and proposals clearly and effectively to both technical and non-technical stakeholders. 
• Subject matter expert within the credit risk department. 

Please be aware that should we pursue your application, all our Financial Services employees will be expected to complete background checks to assess suitability for employment, these include; a criminal record, identity, sanctions, adverse finance, fraud prevention and reference checks to comply with our regulatory requirements.

Hodge is an advocate of being an equal opportunities employer, We believe in promoting equality and diversity which is central to our lives today. We welcome applications from all sections of the community and recognises the value a diverse workforce brings to an organisation.