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M&S Bank Credit Risk Analyst

The Credit Risk Analyst role is based within Credit Risk Management within M&S Bank.

Credit Risk provides a pivotal and crucial part of the strategy and performance at M&S Bank. The role holder will help drive this by providing oversight and insight of M&S Bank acquisition, portfolio and collections performance for all credit products. This includes credit card and Sparks Pay (our new pay later product). The role holder will work closely with Credit Risk Management, M&S Bank business and M&S (our Retail partner) to ensure that risk strategies deployed are appropriate and meet the needs of M&S Bank. The role holder is responsible for developing and providing appropriate management information (MI) and analysis to support the business in understanding credit risk strategies and outcomes. This is a new role with autonomy that provides the opportunity for the right candidate to influence future strategy and build effective partnerships.

Your responsibilities will include:

• Develop regular MI on M&S Bank product and portfolio performance to provide evaluation and insight.
• Produce ad hoc reports at pace, in response to management requests
• Ensure information presented is straightforward and easy to understand
• Identify how credit risk activities may be enhanced
• Identify opportunities to contribute to business objectives
• Build and maintain excellent working relations with key stakeholders within Credit Risk Management, and the M&S Bank business including M&S
• Support the business deployment and communication of new strategies for M&S bank

The ideal candidate for this role will have:

• At least 4 years’ experience of working in an analytical or equivalent role
• Proficient in analytical tools such as SAS or Python to interrogate databases
• Experience of producing analytical reports and information
• Experience working on relevant products including buy now pay later type products
• Experience working in relevant environments. Experience in Retail Credit Risk is desirable but not essential
• A track record of delivering good quality MI and reports which improves business effectiveness in sustainable ways
• Experience in working to deadlines and managing multiple priorities
• Excellent written and spoken communication skills; an ability to communicate with impact, ensuring complex information is articulated in a meaningful way to wide and varied audiences
• A broad understanding of financial analytics/models, with experience of analysing data effectively for planning, forecasting and reporting
• An understanding of risk management

The base location for this role is Chester.

You’ll achieve more when you join HSBC.

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment.

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HSBC is committed to being an inclusive employer and providing an inclusive and accessible recruitment process for all. We will provide reasonable adjustments to remove any disadvantage to you being considered for this role. We are proud members of the Disability Confident Scheme, and will offer an interview to disabled candidates who meet the minimum criteria for the role. If you would like to receive any information in a different way or would like us to do anything differently to help you apply for our roles, please contact our Recruitment Helpdesk:
Email: [email protected]
Telephone: +44 2078328500

Within the workplace you will have access to various employee resource groups which aim to promote and achieve a healthy work / life balance and support our diversity ambitions. HSBC has processes in place to avoid nepotism. This means we will avoid circumstances in which the appearance or possibility of conflicts of interest may exist within the hiring process.