The most customer centric bank on the planet Welcome to a different kind of role and a different kind of banking We're Atom bank and we like to do things a little differently round here. You may have heard of us, we're a completely digital bank with no branches on the high street and no traditional banking website. We operate through a mobile app that allows you to do your banking wherever you are, whenever you want. The successful candidate will be joining the Credit Risk team who are responsible for credit risk management of all lending products across the entire customer journey. You will support the ongoing review and delivery of credit policy across all lending products. You will work with the Decision Systems Manager to deliver and manage automated decision systems to provide efficient and cost-effective account opening and customer management across Atom's product range ensuring that Atom policies can be effectively applied with minimal levels of manual intervention. You will be responsible for reporting and analysis of lending product performance and will use insight from this analysis to develop proposals to adjust lending strategy in order to maximise the profitability of the lending portfolio. The role will require a proactive individual capable of working with teams across the business including Strategy, Propositions, Operations, Compliance, Data and IT Your responsibilities will include, but not be limited to; Support the development of new business credit risk strategies including credit and affordability decisions to support the business` growth agenda whilst maintaining control of credit quality and performance Assist in the delivery of the BAU change programme for Atom's existing decision engines to ensure that credit policy (including strategies, scorecards, policy rules and calculators) can be applied to all new business applications. Participate in the design and deployment of decision engine updates to support new business initiatives. Provide testing and quality assurance on work carried out on behalf of Atom by Decision Metrics and TransUnion. Perform regular, comprehensive credit reporting and investigative analysis on new business and portfolio management and identify improvements to policies and procedures Assist with the development and implementation of credit risk MI to ensure the effective and ongoing monitoring of all credit risk strategies Ensure that all credit data and credit models are thoroughly and accurately documented and tested. Assist with the design and implementation of champion:challenger tests to progressively refine lending strategies Produce regular MI on the performance of the decision engine(s), reporting to Credit Committee as required. Undertake ad hoc work as directed by line manager from time to time What we need from you: Highly numerate, preferably backed by a strong quantitative degree Understanding of data systems and infrastructures Programming, database extraction and reporting experience Strong data interpretation/interrogation skills, including data manipulation and analysis techniques, to create meaningful insight Proficient user of SAS, R or similar Strong MS Office skills, in particular MS Excel Good verbal and written communication skills Build effective working relationships with stakeholders Strong attention to detail Proactive, hardworking, flexible and able to work under own initiative What we'd like from you: Experience of credit risk management in financial services Understanding of credit bureau data Previous experience of the design and delivery of decision engines Experience of building scorecards, decision trees and related statistical models What you'll get from us: Competitive Salary Annual Share Option - performance related Incredibly generous Company pension scheme, candidate contributes (maximum of 13% of Atom input - candidate can put in more) 'All About Me' fund - £200 per year to spend on personal development 25 days holiday 8 statutory days - rising by half a day with every year in the company Private Medical Insurance for you and full family Health Cash Plan - expenses paid on Optical/Dental/other appointments/treatments Life Insurance - 4 times annual salary Critical illness cover - 1 x lump sum annual salary Cycle to work Scheme Continuous development - professional qualifications. Challenging and exciting working environment PLEASE NOTE: You must have the legal right to work in the UK to apply for this role as Atom Bank are unable to support Visa Applications/Sponsorship This job was originally posted as www.totaljobs.com/job/86369604