M&S Bank Credit Risk Analyst
The Credit Risk Analyst role is based within Credit Risk Management within M&S Bank.
Credit Risk provides a pivotal and crucial part of the strategy and performance at M&S Bank. The role holder will help drive this by providing oversight and insight of M&S Bank acquisition, portfolio and collections performance for all credit products. This includes credit card and Sparks Pay (our new pay later product). The role holder will work closely with Credit Risk Management, M&S Bank business and M&S (our Retail partner) to ensure that risk strategies deployed are appropriate and meet the needs of M&S Bank. The role holder is responsible for developing and providing appropriate management information (MI) and analysis to support the business in understanding credit risk strategies and outcomes. This is a new role with autonomy that provides the opportunity for the right candidate to influence future strategy and build effective partnerships.
Your responsibilities will include:
- Develop regular MI on M&S Bank product and portfolio performance to provide evaluation and insight.
- Produce ad hoc reports at pace, in response to management requests
- Ensure information presented is straightforward and easy to understand
- Identify how credit risk activities may be enhanced
- Identify opportunities to contribute to business objectives
- Build and maintain excellent working relations with key stakeholders within Credit Risk Management, and the M&S Bank business including M&S
- Support the business deployment and communication of new strategies for M&S bank
The ideal candidate for this role will have:
- At least 4 years’ experience of working in an analytical or equivalent role
- Proficient in analytical tools such as SAS or Python to interrogate databases
- Experience of producing analytical reports and information
- Experience working on relevant products including buy now pay later type products
- Experience working in relevant environments. Experience in Retail Credit Risk is desirable but not essential
- A track record of delivering good quality MI and reports which improves business effectiveness in sustainable ways
- Experience in working to deadlines and managing multiple priorities
- Excellent written and spoken communication skills; an ability to communicate with impact, ensuring complex information is articulated in a meaningful way to wide and varied audiences
- A broad understanding of financial analytics/models, with experience of analysing data effectively for planning, forecasting and reporting
- An understanding of risk management
The base location for this role is Chester.
You’ll achieve more when you join HSBC.
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Email: [email protected]
Telephone: +44 2078328500
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