Senior Risk Analyst - Risk Anticipation

t BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission is simple: to provide straightforward consumer finance solutions that empower customers to make responsible financial decisions. We partner with some of the UK’s most well-known retailers and brands to help their customers finance purchases in a responsible way.

The Role:

Assist in tracking the bad debt performance against forecasts on a monthly and ad hoc basis to identify variations and carry out root cause analysis. This includes maintaining IFRS9 models and recalculating provision rates for all BNP Paribas PF UK portfolios.

Identifying ways to improve the accuracy of the provisioning models, providing information, analysis and technical support for the development of loss forecast models.

To supervise risk analysts as requested, taking responsibility for the work that they undertake.

The Risk anticipation team are a crucial aspect of risk informing the business of current, past and future credit risk performance in line with the accounting and BNP Paribas group standards and this role is a key component of that team.

Key Responsibilities:

Assist in the monitoring of all models against forecast to identify adversities.
Provide root cause and investigative analysis on a regular basis
Supply management reports, which evaluate the Cost of Risk of the BNP Paribas PF.
Provide month end results, balance structures and report Internally, to group and regulators in a timely and accurate manner
Communicate effectively with the different stakeholders, including IT, other business units and/or Group to ensure the projects are progressing correctly.
Perform the economical valuations of Non-performing Loans portfolios to assess potential debt sales
Skills & Attributes:

Proven experience in SAS Base / SQL or similar programming language
Existing knowledge of credit bureau data and products.
Proven experience in Risk Management or a data analysis function
Prior knowledge of forecasting
High level of accuracy and attention to detail
Ability to communicate and influence all levels of management and work with other departments