[Hiring] Senior Credit Risk Analyst @Tandem Bank

Role Description

The Senior Credit Risk Analyst will be responsible for analytics across the wider Credit Risk team, supporting full customer lifecycle oversight across Personal Loans, Motor Finance, 1st and 2nd Charge Mortgages and Green Lending.

• Designing, reviewing and optimising applications credit risk strategies, including policy rules, scorecard cut-offs and affordability decisioning.
• Managing the ongoing performance of application scorecards, identifying emerging risk, performance drift or opportunities to improve risk-return outcomes.
• Supporting the development, enhancement and implementation of new scorecards and segmentation approaches in partnership with Credit Analytics and Model Risk teams.
• Producing clear, decision-focused MI and analysis covering application volumes, approval rates, risk performance and strategy impacts.
• Delivering insight and recommendations to senior management and Credit Committees, contributing to strategy papers and governance submissions.
• Leading or supporting the deployment of credit strategy changes into live decisioning environments, ensuring changes are well-controlled and appropriately governed.
• Monitoring post-deployment outcomes to confirm strategies perform in line with expectations and the Bank’s risk appetite.
• Working closely with Product, Underwriting, Technology and Operations to support new product launches, policy changes and strategic initiatives.
• Helping to continuously improve credit strategy frameworks, documentation and controls, ensuring alignment with regulatory and internal standards.

Qualifications

• Strong experience in credit risk strategy or decisioning analytics within a banking or consumer lending environment.
• Hands-on experience managing or using application scorecards and credit decision frameworks.
• Strong analytical capability, with the ability to translate complex analysis into clear strategic recommendations.
• Experience producing high-quality MI and presentations for senior stakeholders and governance forums.
• Good understanding of the end-to-end credit lifecycle, particularly the front-book / applications stage.

Requirements

• Exposure to model development techniques (e.g. logistic regression, machine learning models) and model governance processes.
• Experience working with decisioning platforms and strategy deployment tools.
• Familiarity with UK regulatory expectations relevant to retail credit (e.g. risk appetite, Consumer Duty, model risk governance).
• Experience across multiple lending products (e.g. motor finance, personal loans, mortgages).

Benefits

• 25 days annual leave plus 8 days Bank Holiday.
• An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc.
• Buy or sell up to 5 days holiday a year.
• Healthcare cash plan through Westfield Health.
• Life Assurance at 3 x salary.
• Electric Vehicle salary sacrifice scheme.
• Cycle to Work salary sacrifice scheme and a free helmet.
• Salary sacrifice Pension contribution, 4% employee contributions matched with 4% Tandem contribution.
• Smart Tech scheme (buy goods with 0% interest).
• 10% discount on solar panels.
• Tandem Hub for treats, cash back and discounts on UK retailers.
• 2 days per year paid volunteering.
• Free cereal, snacks and drinks in all offices.
• Quarterly team social budgets.