Risk
Senior Credit Risk Analyst- 12 Month FTC
Job ID: 009581
Location: Leeds, UK, LS1 8EQ
Job type: Fixed Term - Full Time
Salary: Up to £52,300 Per Annum (depending on experience) + Bonus & Benefits
Apply now
A unique and exciting opportunity has arisen for an experienced Senior Credit Risk Analyst to join the New Lending and Property Risk team on a 12-month fixed-term contract, playing a key role in advancing our Risk Management capabilities.
The Retail New Lending and Property Risk team plays a vital role within YBS’s broader Credit Risk function. We work closely with colleagues across Trading, Finance, and Operations to proactively identify, assess, and manage credit risks. Our collaborative approach ensures we deliver exceptional experiences for our customers and members, while driving sustainable growth and performance.
About the Role
As a Senior Credit Risk Analyst, you'll play a pivotal role in advancing YBS’s Property Risk Management. Using your credit risk expertise, you'll generate data-driven insights to assess property exposure and shape strategic initiatives. You'll collaborate closely with fellow analysts, the Chief Valuer, and external partners. Other key responsibilities may include:
- Conduct market scanning and competitor benchmarking to ensure our lending policies and standards remain appropriate, competitive, and aligned with industry best practice.
- Optimise our approach and execution of valuations and property risk standards, supporting borrowers through their onboarding journey.
- Maintain and enhance key credit risk controls, ensuring they remain robust, compliant, and aligned with regulatory expectations.
- Provide assurance to internal and external stakeholders by responding to oversight findings and addressing identified concerns, ensuring our credit risk governance remains effective and accountable.
About You
We are seeking a motivated individual with prior experience working for a mortgage lender and a proven track record in credit risk management. To succeed in this role, you will also have:
- Knowledge of processes and tools associated with management of Property Risk across both Residential and Buy to Let lending.
- Proven ability to independently lead programmes of complex analytical work
- Outstanding analytical and problem solving skills
- Excellent communication skills
- Expert skills in data manipulation, SAS (or similar statistical packages), SQL and Microsoft Excel
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.
About Our Benefits
Everyone’s different. That’s why we offer a wide range of benefits and rewards that we think you’ll love – whatever’s important to you, and whatever stage of life you’re at. Such as…
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Our pension scheme (where you can get up to 11% from us)
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On target bonus of 7% (with the opportunity to earn up to a maximum 15%)
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Access to brilliant health benefits
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Life assurance at 6 times your salary
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25 days’ holiday (and the option to buy more)
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Cycle to work or an interest-free loan for an annual ticket
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Wellbeing resources and tools
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Retail and Leisure discounts
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.
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…
Our ways of working and flexibility
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 WorkingMeet the Recruiter(s)
Olivia Lambert
Resourcing & Inclusion Specialist
Connect with Olivia LambertI 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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Risk Associate
Job ID: 009470
Location: Leeds, UK, LS1 8EQ
Job type: Permanent - Full Time
Salary: Up to £45,000 Per Annum (depending on experience) + Bonus & Benefits
Apply now