Senior Credit Risk Analyst

Senior Credit Risk Analyst - Full time

The Retail Lending Policy team is an integral part of YBS’s Credit Risk function. We pride ourselves on working collaboratively with our colleagues in teams across the business, including Underwriting Service Delivery, Resilience and Controls, Trading, Customer Support, Direct and Intermediary Distribution, Finance and Portfolio and Collections to ensure we’re identifying, mitigating and managing conduct, credit and operational risks. This allows us to provide a joyful experience for our customers and provides sustainable growth and performance for our members. Above all else, the Credit Risk function helps YBS to deliver Real Help with Real Life in a safe and responsible way.

About the Role

As a Senior Credit Risk Analyst, you’ll be a key member of our team, leveraging your Credit Risk expertise to help YBS deliver its objectives. You will get the chance to be involved in a range of interesting projects and initiatives. Some of the areas you could be responsible for:

• Maintain and enhance key credit risk controls, including lending policy and affordability models, ensuring they remain robust, compliant, and aligned with regulatory expectations. You’ll work cross-functionally to gain approval for policy changes that support YBS’s growth ambitions while maintaining responsible lending practices.

• 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.

• Conduct market scanning and competitor benchmarking to ensure our lending policies and standards remain appropriate, competitive, and aligned with industry best practice.

• Use internal and external data to develop a deep understanding of our retail lending portfolio, producing high-quality credit risk analytics that deliver meaningful insight and support strategic decision-making.

• Provide Subject Matter Expert (SME) support to colleagues on complex aspects of Lending Policy and Standards, ensuring consistent interpretation and application across the business.

About You

• Strong time management and collaboration skills, with a proactive and curious mindset focused on continuous improvement and driving tasks from start to finish.

• Excellent analytical and problem-solving abilities, with a keen eye for identifying trends, risks, and opportunities within complex datasets.

• Advanced data skills, including proficiency in SAS (or equivalent statistical tools), SQL, and Microsoft Excel.

• Strong written communication skills, with the ability to produce clear and structured committee papers.

• Proven experience in Credit Risk or a similar analytically focused role within Financial Services or a related industry. Knowledge of the retail mortgage market is advantageous, though not essential if you bring relevant experience from other financial sectors.