Senior Credit Risk Analyst
MudflapSalary not specified
Full Time
Mid-level (3 to 4 years)
Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, BankingIndustries
Requirements
- Enjoy solving analytical challenges
- Able to use technical skills to solve complex data problems (SQL and Python knowledge is a plus; training provided if not)
- Strong mathematical and critical thinking skills
- An open mindset in your approach to change and personal development
- Experience leading a project, and working with people at every level to see it through
- A university degree or equivalent
- Experience in consulting or financial services
Responsibilities
- Using analytical skills to solve complex business challenges, finding patterns in the data and building new credit risk strategies (e.g., determining who is most likely to use a credit limit increase responsibly, optimal account terms on a price comparison website, or best support for customers behind on payments)
- Optimising lending decisions to drive sustainable lending growth and improve customer experiences
- Delivering strategic recommendations and bringing them to market - working with product, data and tech teams to deliver them
- Ensuring good outcomes for customers by tracking and drawing insights from performance of credit decisions
Skills
Key technologies and capabilities for this role
Questions & Answers
Common questions about this position
What is the work location and office policy for this role?
This permanent position is based in either the London or Nottingham office, with a requirement to be in the office three days a week from Tuesday through Thursday. Mondays and Fridays are company-wide virtual days, and you'll travel between offices twice a month to foster teamwork.
What benefits are offered for this position?
Benefits include pension and bonus schemes, 25 days’ holiday with the option to buy up to 5 more, private medical insurance, season ticket loans, cycle to work scheme, and enhanced parental leave. Nottingham offers a fully-serviced gym, subsidised restaurant, and mindfulness and music rooms, while London has a rooftop running track.
What skills and experience are required for the Senior Strategy Analyst role?
You'll need strong analytical, mathematical, and critical thinking skills, experience leading projects and working with people at every level, a university degree or equivalent, and experience in consulting or financial services. SQL and Python skills are great but training is provided if needed.
What growth opportunities are available in this role?
The company offers plenty of opportunities to learn and develop your career, including rotations to various teams like Marketing, Lending strategy, Customer Management, and Valuations to create great future leaders.
What makes a strong candidate for this Senior Strategy Analyst position?
Strong candidates enjoy solving analytical challenges, demonstrate an open mindset to change and personal development, have experience leading projects across levels, and bring a background in consulting or financial services. The company values diverse and inclusive teams.
Capital One
Offers diverse financial products and services
About Capital One
Capital One provides a variety of financial services aimed at making banking accessible and easy for everyone. The company offers products such as credit cards, savings accounts, car loans, and business checking accounts, catering to both individual consumers and small businesses primarily in the United States. Capital One's approach includes user-friendly banking solutions with no fees or minimums for checking accounts, allowing customers to manage their finances more effectively. They generate revenue through interest on loans, credit card fees, and investment banking services. What sets Capital One apart from its competitors is its strong commitment to financial inclusion and literacy, demonstrated through community partnerships and educational initiatives, such as collaborations with Khan Academy. The company's goal is to create a more inclusive financial system and empower customers with the knowledge and tools they need to make informed financial decisions.
McLean, VirginiaHeadquarters
2014Year Founded
$15.9MTotal Funding
IPOCompany Stage
Fintech, Financial ServicesIndustries
10,001+Employees
Benefits
Medical, Dental, & Vision coverage
Onsite Health Centers
Prescription saving with network of local pharmacies
Stock Purchase Plan
Education Assistance
401(k)
Flexible Spending Accounts
Life and Disability insurance
Generous paid time off + corporate & floating holidays
Registered dieticians on site, cooking classes and free virtual fitness classes
Employee Assistance Program
Risks
Increased competition in subscription management tools may dilute Capital One's advantage.
Over-reliance on partnerships could expose Capital One to technological risks.
Departure of key personnel like Joe Rodriguez may affect risk management continuity.
Differentiation
Capital One offers user-friendly banking with no fees or minimums for checking accounts.
The company partners with Khan Academy to provide financial literacy education.
Capital One is the first major U.S. bank to offer subscription management tools.
Upsides
Capital One's mobile app is a model for secure, user-friendly digital banking.
Data sharing with Worldpay enhances payment security and fraud prevention.
Partnerships with fintechs like Minna Technologies improve customer experience.
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