Risk and Data Lead Analyst

Are you our new Risk and Data Lead Analyst? Working in our dynamic, successful Credit Risk & Decision Science team there has never been a better time to join Pepper Money, a specialist mortgage lenderbacked by a global financial institution offering first and second charge loans. We really do believe that it's our people who are our main competitive advantage – the 'thing' that sets us apart from our competitors.

Our passion is to 'Help People Succeed'. This is at the heart of everything we do and includes our valued customers, intermediary brokers and partners as well as all of our fantastic colleagues. We operate a hybrid working model, with a split of days being in the office and days being worked at home.

Pepper Money has three offices across the UK and one office in Manila, where this role will be based. What you will be doing

As the Lead Analyst you will assist the Head of Decision Science by leading the delivery of the CCRO function by working with stakeholders across the business to enable higher quality business decisions, in a timely manner. You will also be responsible for the oversight of two direct reports. As part of this, you will develop, enhance, and assist with the production of management information and business intelligence across the business.

Key areas that you will support across are Credit Risk Portfolio Management, Modelling and Analytics, Reporting and Business Intelligence, Communication and Documentation. What we are looking for

We are looking for somebody who has the proven ability to lead a team across the above areas as well as being confident in their knowledge to coach and support a team of analysts to deliver against set objectives to help the CCRO function reach their strategic goals. As part of this you will:Be a hands-on technical leader, assisting the Head of Decision Science by leading the delivery of the CCRO function

Ensure work is documented to a standard that is sufficient for handover and compliance with internal control standards

Be responsible for the creation of real-time interactive dashboards, ensuring these are accessible, to allow colleagues to make appropriate, timely decisions in all areas of activity

Deliver and provide ad hoc business intelligence, reporting, and data

Build and deploy analytical models in a way that is technologically accessible to the team that will own and use it

Provide regular insight into portfolio changes, highlighting areas of strength or weaknessCompetenciesAbility to lead and coach a team with end goals in mind

Skilled in identifying opportunity and implementing improvements

Numerate logical and strategic thinker with sound commercial judgement

Skilled in written, verbal, and visual communication. Able to present clear, well- considered, confident arguments to stakeholdersKnowledgeProven experience and knowledge across data and analytics including analysis, visualisations and dashboarding, predictive modelling, forecasting and machine learning

Significant experience and understanding of relevant analytical tools and programming languages such as Python, SQL, or equivalent or software systems (e.g. Microsoft PowerBI, Azure Data Factory)Sound knowledge of credit risk

Significant experience working within a financial organisation, with knowledge and experience from multiple areas within the businessQualificationsDegree educated

Some of the benefits we provide are:Competitive salaries and bonus schemes

Hybrid home/office working arrangements

Regular training and opportunities to learn and grow

Holiday leave plus bank holidays

Medical insurance cover

Life insurance

Health and wellbeing support

By applying for this role, you acknowledge and consent to your data being processed outside of the Philippines as part of the Recruitment process. Please do not apply for this role if you do not consent to this. In return for your commitment, you'll have the chance to develop your career in a dynamic environment, working alongside top talent and an exceptional leadership team.

If you want to be involved in our exciting expansion plans and have the chance to really shape and influence the way the business grows, then we'd love to hear from you. We also want our people to feel a sense of belonging at Pepper Money. We are committed to meeting our Diversity, Equality and Inclusion charter, further information can be found on the Careers section on our website.