Credit Decisioning Analyst

Credit Decisioning Analyst
We are looking for a Credit Decisioning Analyst to work at the forefront of mortgage change at YBS, working on high profile transformational projects and changes and ensuring these are delivered into our mortgage decision engine.

About the role
In this role you will be designing, developing and testing changes to the Retail Mortgage Decisioning Engine for BAU and Projects using the system coding language, ensuring development of changes are optimal, align to our standards, and are maintainable by current and future colleagues.

You’ll support Senior Analysts, working with stakeholders across the business to define business changes, providing challenges when necessary, and supporting with prioritisation, communication and training.

You will be responsible for testing all Decisioning System changes, ensuring a high standard of test practices are implemented and adhered to, and managing incidents, including identification, investigation and data analysis to determine the root cause, and developing and delivering required fixes.

About you

• Highly numerate with excellent problem-solving skills and an interest in analysing financial data
• Experience using computer-based languages (e.g. Lua, Python or SAS) and experience in using Excel to format data sets
• Experience with credit decisioning systems or system testing is preferred but not required.
• Continuous improvement mindset and always looking for ways we can improve our processes
• Excellent communication skills with an ability to present complex information in simple terms

About us
At YBS we don’t have shareholders, we have members. We care about people and that includes you. So here, you’ll be respected for who you are, you’ll be able to bring your whole self to work, and you’ll have everything you need to build a long and rewarding career.

Flexibility. We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it’s finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you.

Development. We want you to feel challenged here. Whatever your ambitions, we’re committed to helping you develop your skills and move ahead in your career journey. From day one, we’ll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.

Inclusivity. We’re passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you’ll go the extra mile to help our members, you’ll fit right in and feel you belong here.

About our Benefits
We offer lots of fantastic rewards that you can make the most of in and out of work, including:

• Holiday. You’ll get 25 days plus Bank Holidays, as well as the option to buy up to a further 5 days.
• Bonus. At YBS we work collaboratively and share in our success together, so when we reach our goals were all rewarded with an on target bonus of 7% of eligible pay (with the opportunity to earn up to a maximum 15%).
• Pension. We know how important it is to save towards the future, that’s why we’ll contribute up 11% into your YBS pension.
• Healthcare. Health and wellbeing are an important part of life at YBS, when you join us you’ll have access to a range of health benefits to suit your life including private medical insurance, dental and healthcare plans.
• My Benefits. When you join YBS you’ll have access to our self-service benefits portal, where you can access a range of retail, hospitality and health discounts,

Ready to apply?
If you’re excited about this role and want to be part of the YBS team, click apply now to send us your application.

Want more information?
If you have any questions about this role, please contact Olivia Eaton on OEaton@ybs.co.uk