As a Senior Credit Risk Analyst, your expertise is key to producing impactful analyses, with a focus on Residential and Buy-to-let mortgages, Bridging Loans, and Asset Finance. Your role involves not only end-to-end MI production but also proactively enhancing reporting and reacting to emerging trends. Leverage your Consumer Finance/Retail Banking experience, specialising in Credit Risk fundamentals and Financial Services. Your proficiency in SAS/SQL coding, advanced Excel/VBA skills, and ability to harness credit bureau data are vital for success. Join us in influencing strategic objectives, optimizing risk-reward dynamics.

The OSB Group is a FTSE 250 specialist mortgage lender, primarily focused on carefully selected segments of the mortgage market.

Our specialist lending is supported by our Kent Reliance and Charter Savings Bank retail savings franchises. Diversification of funding is provided by sophisticated securitisation platforms. OSB’s unique cost-efficient operating model is supported by our wholly-owned subsidiary OSBIndia.

Alongside passion for our products and customers, we're passionate about our people and want to continue building a collaborative and engaging environment.  Being dedicated to Diversity, Equity and Inclusion, we encourage differences and recognise that individuals from diverse backgrounds and experiences can bring valuable insights and enhance the way we work.  This is supported by our Diversity, Community and Environment Employee Engagement Networks and our commitment to the Women in Finance Charter and Women in Leadership Programme. 

In this role, you will undertake and lead the production and enhancement of regular and ad-hoc Credit Risk analysis for the Risk function and the wider business. You will provide the analysis and insights to ensuring the Group optimises the risk and reward dynamic of lending assets supporting it to achieve its key strategic and financial objectives, whilst operating within the Board approved risk appetite.

Your responsibilities will include…

• Take responsibility for the end-to-end production of daily, weekly and monthly MI identifying any trends or changes in performance relating to Residential and Buy-to-let mortgages, Bridging Loans, Asset Finance etc.
• Proactively identify opportunities to enhance the existing reporting suite, reacting to new and emerging trends, or new Management or Regulatory requirements.
• Provide insights and recommendations to the credit risk team and other senior management in terms of the portfolio composition, trends and performance.
• To perform in-depth analysis and deep dives on portfolio trends and market data to identify opportunities to improve our credit strategy and lending performance. Undertake ad-hoc analytical requests to support internal or external (regulatory) queries, ensuring analysis is produced in a timely manner, and accurate in line with expectations.
• To ensure that we make efficient use of internal data sources and external credit bureau data to monitor performance.
• Take a leading role in critical Credit Risk analytical work streams such as Risk Appetite setting and monitoring.
• Provide analytical support to the wider Risk function as and when required with, including lifecycle performance, product performance, strategy enhancements etc.

We offer a base salary dependent on experience of between £45,000 - £55,000   and a competitive benefits package including:

• Discretionary annual bonus opportunity of up to 15%
• 28 days annual leave plus bank holidays
• Contributory pension (8% employer 5% employee)
• Life Assurance (4x salary) plus Group Income Protection
• Access to Private Medical Insurance and Medical Cash Plan
• Maternity & Adoption Leave – Occupational Maternity/Adoption Pay provided at 100% of salary for the first 13 weeks and at 50% of salary for the next 13 week period.
• Paternity Leave – 4 weeks of paid leave to be taken within 8 weeks of childbirth
• Additional benefits such as Hybrid working, Cycle Purchase scheme, Technology Purchase scheme, Season Ticket Loan, Holiday purchase / sell schemes, Employee Perk Portals, Payroll giving and Save as you Earn scheme.

We are looking for talented individuals who have the experience and knowledge set out below:

We are looking for talented individuals who have the experience and knowledge set out below:

• Experience working in a Consumer Finance / Retail Banking Credit Risk function is essential
• Specialist knowledge of the Financial Services industry and Credit Risk Lifecycle is essential.
• Specialist knowledge of Mortgage Lending industry is desirable.
• SAS / SQL coding knowledge is essential
• Advanced skills in respect of Excel / VBA is essential
• Advanced understanding of mathematical and statistical techniques is essential
• Excellent verbal and written communication skills is essential.
• A university degree in a quantitative field (i.e. Mathematics, Physics, and Engineering) is desirable

We also believe that your career and how you progress is as unique as your individual personality. We continually support our people so they can become the best version of themselves.

If this sounds like you, please apply now! For internal applications please visit the internal careers page to apply.

Alternatively, if you wish to have an informal and confidential chat please get in touch. Contact details can be found on our careers page.

If shortlisted from your initial application we operate a personalised recruitment process. Interviews are a two way street, we aim for them to be relevant and conversational to get the best out of you!

OSB Group are dedicated to diversity in the workplace and committed to treating all our employees and job applicants equally.  We embrace equal opportunities and are opposed to discrimination on any grounds.

As part of our public commitment to the Women in Finance Charter, we have introduced our own initiatives to attract, develop and advance senior women in our sector. We don’t stop there though, we have broadened our approach to encourage diversity and inclusion at all levels and in all roles. Our leadership and Executive Committee are right behind us, to the extent that our Diversity Champions sit at Board level and on a monthly basis receive updates on our progress. 

Whilst we are an organisation that values face-to-face interaction to build and nourish our culture, we also acknowledge that people are not just productive in an office and tied to the 9 to 5.  Flexible-working opportunities are important for establishing a healthy work-life balance so if you see a role of interest we are happy to be asked about flexibility and explore together if we can make it work.

All applicants must have rights to work in the UK and be willing to undertake the relevant pre-employment screening checks should your application be successful.