Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver.  We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally.  We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities.  This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale.  We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent.If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Join our dynamic Credit Risk Team as a crucial contributor, leveraging your expertise in data analytics to support proactive reviews, monitoring, and reporting on mortgage loan cohorts. As a dedicated member, you will play a key role in maintaining our credit risk appetite within our thriving lending operation.

Responsibilities include evaluating trends in loan pools conducting comprehensive portfolio reviews to identify risk developments or concentrations, utilising sound judgment to present decisions on heightened-risk positions to key stakeholders when necessary.

Support the enhancement of our credit risk monitoring capabilities by integrating automation, business intelligence (BI), and data analytical tools. Support our credit strategy and respond to ad-hoc data requests, providing accurate and robust data-backed insights.

Utilise sharp analytical skills to generate precise committee reports and support in-depth analyses of customer behaviours and market trends as the landscape evolves. Your role is pivotal in ensuring our credit risk strategy is not only effective but also adaptable to changing dynamics in the industry.

Key Role Responsibilities

• Support the development, enhancement, and maintenance of credit risk management in portfolio analytics
• Monitor credit risk analytics across Residential and Buy-to-Let (BTL) asset classes.
• Provide analytical support for strategic changes, particularly focusing on back book horizon scanning.
• Assist in conducting impact assessments of market changes, leveraging data analytics to inform decision-making.
• Support with opportunities to automate and streamline data analytical approaches, enhancing efficiency and accuracy in credit risk assessments.
• Collaborate with internal and external stakeholders on various risk governance needs, fostering effective communication and cooperation.
• Produce accurate, timely, and meaningful data-backed insights for monthly committee presentations, ensuring alignment with organisational objectives.
• Prepare ad-hoc reports for wider key stakeholders as needed, providing valuable insights into credit risk dynamics.

• Proven work experience in the Risk/Analytics/Decision Science field, with a focus on developing and analysing Risk MI or a similar role.
• Experience in programming languages such as SAS, SQL, VBA, and Python.
• Excellent verbal and written communication skills, with the ability to articulate and summarise analysis findings for non-technical audiences.
• Experience in data investigation and manipulation, demonstrating the ability to deliver accurate and meaningful analyses under tight deadlines across diverse sectors and teams.
• A high tolerance for ambiguity and adaptability to frequently changing priorities.  A genuine can-do attitude to meet deadlines with a positive approach.
• Good understanding of financial risk concepts preferable.
• Highly numerate with a track record in data-driven analysis.
• Ability to work under pressure and to strict deadlines.
• Planning, organisation and flexibility
• Problem solving mind set. 
• Critical Information Seeking
• Attention to detail
• Strong Communication skills 
• Professionally curious with Analytical thinking
• Quality Focus.

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done