Risk

Credit Risk Analyst

Job ID: 009416

Location: Leeds, UK, LS1 8EQ

Job type: Permanent - Full Time

Salary: Circa £36,000 per annum (depending on experience) + Bonus & Benefits

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Credit Risk Analyst

We’re offering an exciting opportunity for a Credit Risk Analyst to become part of our MI and Insight team. This role provides broad exposure to the full credit lifecycle of mortgage products, offering a unique vantage point into how credit decisions shape outcomes.

This role is perfect for someone with a foundation in analytical work or a background in a numerical discipline, who’s keen to explore the world of Credit Risk. Whether you're looking to build on existing experience or take your first steps into the field, it offers a strong platform for professional growth and long-term career development.

About the Role

This position plays a key role in supporting Credit Risk management through the extraction and analysis of data to create accurate, insightful management information. These outputs help monitor the performance and characteristics of the Society’s lending portfolio and guide strategic decision-making at the senior management level. As part of a team that actively influences the direction of the business, this role offers a valuable opportunity to gain hands-on experience in both Credit Risk and the broader Financial Services sector. Key responsibilities include:

Perform basic analysis and running of existing code to produce timely and accurate Credit Risk management information and communicating any trends or concerns to management and decision making committees both written and verbally.
With guidance and support, utilise best practice data manipulation and analytical techniques to perform analysis of the Society’s Credit Risk portfolios and develop new reports to enable strategic decision making.
Develop an understanding of the credit risk lifecycle for residential, buy-to-let and commercial mortgages, and leverage that understanding to add value to your analysis.
Manage small to medium analytical projects and provide analysis to senior team members ensuring requirements are met and analysis is accurate.

About You

Credit Risk understanding would be beneficial but not essential as training will be provided to gain full competence.
Experience of data manipulation and a working knowledge of SAS (or similar statistical packages), SQL, Power BI and Microsoft Excel are desirable.
Strong analytical and problem-solving skills.
Strong organisational and prioritisation skills.
Continuous improvement mindset and a committed attitude to personal development and learning
Degree in Mathematics is desirable but not essential

Our Head Office teams are known as Enabling Functions. They're open, innovative, collaborative and always focused on doing what’s right.

And they’re here to support our colleagues by providing a range of high quality, head office services, including risk, HR, finance and marketing. Whatever team you join, you’ll discover that it’s a welcoming, supportive and inclusive place to be, with all the flexibility you need to make work a rewarding part of your life.

Our pension scheme (where you can get up to 11% from us)
On target bonus of 7% (with the opportunity to earn up to a maximum 15%)
Access to brilliant health benefits
Life assurance at 6 times your salary
25 days’ holiday (and the option to buy more)
Cycle to work or an interest-free loan for an annual ticket
Wellbeing resources and tools
Retail and Leisure discounts

Find out more about what we offer

Learning & Development

Everyone can build a career path they love here. And that’s because we offer a wide range of programmes, opportunities and more to help you learn, grow, and develop – and reach your full potential.

These include...

Personal Growth Toolkits - a range of materials that help you discover your strengths, identify your goals, and your next steps.
Secondment and Stretch opportunities – helping you gain experience in different areas of our business and new ways of working.
Learning Champion Network – opportunities to work outside of your immediate area and build new skills.
Apprenticeships and Professional Qualifications – a range of brilliant apprenticeships and programmes available to everyone.
REACH Diverse Leadership Programme – helping our Black, Asian and Ethnically Diverse leaders progress into senior leadership roles.

Learn about developing your career here

Diversity, Equity & Inclusion

You’ll find people from all walks of life here, with different cultures, beliefs, ages, outlooks and more. And we’re proud of our differences. So we’re dedicated to creating a workplace where everyone feels welcome, supported, and empowered to be their whole self at work.

Our five Colleague Networks play an important role in helping that happen – and have a real impact on our everyday working life here. Each is closely linked to our Inclusion and Diversity committee, and sponsored by a member of our Senior Leadership Team.

And we also have other colleague groups, such as ManKind and Family Foundations, where colleagues can connect, and start conversations that can be taken into the Networks.

Community and Charity

Ever since we started back in 1864, we’ve had a clear purpose – to do some good in our communities through helping people keep their savings safe. And helping everyone have a place to call home. Today, that purpose is still a huge part of who we are. And every one of our colleagues helps that happen.

We’re committed to volunteering our time, resources, skills and knowledge – more than 50% of colleagues contribute to thousands of volunteer hours every year. And our Charitable Foundation has now donated over £9 million to charities and good causes across the country.

Hear from some of our people about what working at Yorkshire Building Society is like, and what it means for them…

There are not many businesses that support development like Yorkshire Building Society.

Olivia

Talent, Resourcing and Inclusion Specialist, Leeds

Watch video

Our ways of working and flexibility

Colleague smiling at phone in the office

We know there’s no single right way of working that fits everyone. That’s why we’re not trying to find one. Instead, we’re doing everything we can to make sure that when we’re working flexibly, together and apart, we’re working at our best. We help our colleagues get the most out of work, and take care of themselves, wherever they’re working.

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. We’re happy to talk flexible working and you can reach out to us anytime during the recruitment process to discuss this.

Find out more about our Ways of Working

Meet the Recruiter(s)

Olivia Lambert

Resourcing & Inclusion Specialist

Connect with Olivia Lambert

I recruit for the following business areas: Commercial (excluding digital channels), Internal Audit, People & Risk

I joined the Society in 2017, and throughout that time I have worked in several departments, learning and growing along the way. However, it wasn't until April 2022 that I finally discovered my passion, which is recruitment.

In my current role with the Resourcing & Inclusion team, I’ve had the opportunity to collaborate with many amazing teams across the business. I absolutely love helping hiring managers find their perfect candidates, and it's equally rewarding to assist candidates in landing their dream jobs.

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Credit Risk Analyst

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