First Line Credit Risk Modelling Manager, Tandem

• Strong skills in at least one programming language (preferably Python and SQL)
• Strong experience in the development and monitoring of retail Credit Risk application, management and measurement models
• Good knowledge of consumer credit risk, including mortgages, personal loans and motor finance
• Experience in calculating risk forecasts
• Experience in risk analysis and reporting
• Strong understanding of the use of scorecards and affordability models in Credit Risk strategies
• Strong presentation skills, including the ability to translate complex data into understandable insight
• A great attention to detail and be process-oriented to review, suggest and implement improvements where appropriate
• Able to work in a fast paced, changing environment

Desirable

• The role sits within the First Line Credit Risk team at Tandem. It’s a new team being set up to provide high quality Credit Risk analysis and strategies to ensure Tandem grows safely and within our risk appetite
• Develop Application and Collection Scorecards for all Tandem’s Lending products
• Calculating cost of risk for pricing and risk reward models
• Analysis on key risk trends and issue
• Write proposals for approval at Credit Committee
• Interaction with third parties including regulators, Credit Reference Agencies and consultancies
• Developing and implementing advanced statistical models to predict credit risk, optimise credit scoring, and enhance our decision-making/underwriting processes
• Maintain and monitor all credit risk models and scorecards
• Analyse large datasets to identify trends, patterns, and insights that inform business decisions
• Perform data cleaning to ensure high-quality data for analysis,
• Working independently and presenting findings and recommendations to stakeholders in a clear and concise manner
• Working Pattern: Monday to Friday, 36.25 hours per week