Salary up to £34,200 dependent on experience
Are you ready to take the next step in your career? We’re looking for a driven Credit Risk Analyst to join our team. If you have a solid background in financial services and a passion for turning data into actionable insights, this could be the opportunity for you.
In this role, you'll leverage your expertise in risk and analytics to assess emerging risk trends and external market conditions, helping to enhance and evolve our credit risk management strategies. You will also play a key part in supporting our Homes mortgage business to enable our key business strategies.
Who Are We?
Not just another building society. Not just another job.
We're the fourth biggest building society in the UK and what makes us a bit different is that we're a mutual organisation. We don't have shareholders; we're owned by our members.
Our colleagues say Skipton's a great place to work, and you could be one of them, bringing with you new ideas on how we can keep customers at the heart of what we do.
Whatever your background, and whatever your goals, we'll help you take the next step towards a better future.
The Credit Risk Oversight team, of 15 individuals, is part of the Group Risk function. Our core role is to support our purpose to help more people to have a home, by applying a proactive and sustainable risk management approach. We work across the Society and more specifically, we support our Homes Business. We encourage individuals to make decisions and challenge the status quo – to ensure long-term financial resilience and a risk aware culture.
What Will You Be Doing?
Step into a pivotal role where your expertise in credit risk will shape key decisions and drive meaningful impact. As a Credit Risk Analyst, you will
Collaborate & Innovate – Work flexibly within the Credit Risk Oversight team, supporting colleagues and contributing to departmental priorities that align with the Corporate Plan.
Unlock the Power of Data – Write and run code (SAS, Python, SQL) while utilizing analytical tools such as PowerBI to extract insights, optimise processes and enhance management information.
Deliver Smart Solutions – Apply advanced analytical techniques to assess risk, interpret outcomes and recommend strategies that strengthen our credit risk management.
Communicate with Impact – Present complex technical findings in a clear, engaging manner to stakeholders, ensuring insights drive well-informed decisions.
Influence Key Committees – Play a role in shaping analysis and papers that inform senior leaders and strategic discussions.
Expand Your Expertise – Be involved in critical areas from mortgage lending decisions and product design to credit management activities, deepening your knowledge of regulation, policy and risk modelling.
This is your chance to make a real difference in how we approach credit risk—bringing together cutting-edge analytics, strategic thinking, and collaborative teamwork.
What Do We Need From You?
About You
Experience
Ideally have experience of working in a risk or lending environment.
Experience of working in an analytical role.
Skills
Highly numerate.
Experience of using code to analyse and interpret data.
Ability to manipulate, understand and interpret data.
Ability to think in a structured and logical manner.
Good ability to analyse and understand trends in data, articulate this and turn it into real solutions.
Sound working knowledge of MS Excel.
Good communication and time management skills, with the ability to communicate complex technical issues in a clear and concise manner.
Keen to learn and develop within an analytical environment.
Ability to work flexibly in a team environment.
Manage own elements of work.
Knowledge
An awareness of the requirements of mortgage related regulation.
An understanding of Financial Services sector.
What’s In It For You?
Skipton values a work/life balance and we are proud to support hybrid and flexible working, where possible. We have a newly refurbished head office which offers a vibrant and collaborative working space.
We have a range of other benefits available to you including;
Annual discretionary bonus scheme
25 days standard annual leave + bank holidays + rising 1 day per year of service to a maximum of 30 days
Holiday trading scheme allowing the ability to buy and sell additional annual leave days
Matching employer pension contribution (up to 10% per annum)
Colleague mortgage (conditions apply)
Salary sacrifice scheme for hybrid & electric car
A commitment to training and development
Private medical insurance for all our colleagues
3 paid volunteering days per annum
Diverse and inclusive colleague networks available for you to join including our Carers and Pride Alliance groups
We care about your health and wellbeing – we provide a range of benefits that support this including cycle to work initiative and discounted gym membership
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What We Do
Not just another building society. Not just another job. Imagine how good it would feel to help someone choose the mortgage they’ll use to buy their first home. Or the account they’ll use to save for it. We’ve been helping people make big financial decisions since 1853. It’s why over a million customers trust us as a good place for their money, and why our colleagues say we’re a good place to work. The Bailey (our head office) The Bailey is the vibrant hub where you’ll find all our central functions. We’re always looking for new talent because we love hearing new ideas. You can choose from a variety of roles that range from marketing and IT, through to audit, risk, products, digital and more – or maybe you’ll join our lively contact centre team. We’re based in Skipton, just a short train ride from Bradford and Leeds, we’re a stone’s throw from the A65 and have some cracking views of the Yorkshire Dales. Our network of UK branches Our branch colleagues are the face of Skipton Building Society. They’re relationship-builders, team workers, great talkers and they’re brilliant at listening too. Everything they do is designed to help customers make the best financial decisions, whether that’s choosing the right kind of savings account or having a full financial review. The Skipton culture Happy colleagues mean happy customers. So, when we recruit, we don’t just think about what’s in it for us, we think about what’s in it for you. It’s one of the reasons we’ve been recognised as one of The Times Best Companies to Work for the last 6 years. Mind, body and spirit With our colleagues’ support, we’ve created a culture that promotes diversity and inclusion. We understand the rich diversity in our Society, and how harnessing that diversity through effective inclusive practice has profound benefits for individuals, teams and the Society it self. This includes a progressive approach to personal well-being.
