Junior Credit Risk Analyst at Weaver Fintech Ltd

Role Overview 

• As the Junior Credit Risk Analyst, you will help the business get more value out of every data source it touches. Working closely with senior analysts and the Credit Risk Executive, you will gather, clean and combine data from across the group, the credit bureaux and alternative data sources, and turn it into analysis that informs strategic credit risk decisions.
• This is a hands-on, learning-rich role for an early-career analyst who is curious about data and wants to see their analysis drive real decisions across underwriting, limits, collections and portfolio monitoring.

More about the role

• Source, extract and prepare data from across the group, credit bureau feeds and alternative data sources, building clean, reliable datasets for analysis
• Help identify and unlock new value from existing and emerging data sources – spotting useful signals, new attributes and data quality issues
• Use SQL/Python  to obtain data from the Data Warehouse and support the maintenance of analytical data assets
• Perform 'what if' and ad-hoc analysis to support credit strategy across acquisition, limits, collections and recoveries
• Support the monitoring of risk-based strategies in acquisition to ensure only customers with the correct risk levels are acquired
• Help review credit limits to ensure the business exposure strategy is met
• Build and maintain reporting and dashboards that track credit quality of business booked and the credit portfolio
• Support the development and back-testing of scorecards and predictive models
• Use a data-oriented approach to work with others in solving business problems around profitability, marketing, risk and operations
• Assist the Credit Risk Executive and senior analysts on key projects, ensuring strong planning and communication throughout

More about you

Experience & Skills

• A minimum of 1–2 years' experience in Credit Risk, data analytics or a related field (recent graduates with strong analytical internships will be considered)
• A numerate degree e.g. BCom, B Bus Sci, B Eng, BSc
• Good computer literacy skills with proficiency in MS Excel
• The ability to creatively solve problems
• The ability to interrogate and interpret numerical and statistical information

Advantages

• SQL & Snowflake
• Exposure to credit bureau and/or alternative data sources
• Python/R or equivalent
• Retail credit or BNPL experience
• Use of Gen AI

Attributes & Behaviours

• Natural curiosity around data and problem solving
• Strong analytical skills and a self-motivated driver of performance
• Proactive and able to identify, highlight, analyse and action based on information available
• Able to work with other areas to ensure analytical outputs can be driven through to execution to create value
• Excellent interpersonal communication (verbal & written), assertiveness and judgment skills
• The ability to simply explain complex solutions
• Strong planning, organising and coordinating skills
• Exceptional attention to detail with a thorough approach to work
• A strong can-do attitude and an energetic positive approach
• A solid work ethic and a passion for digital Financial Services
• Eager to learn, coachable and entrepreneurial by nature