Junior Credit Analyst

We’re Atom bank

The bank that’s leading the fintech charge!

We’re not like the rest. We’re true innovators, and we’re redefining what a bank should be. Ours is a bank for today and the future, a mobile-first bank. Forget the stuffy branches, with Atom you can bank whenever, wherever, faster, and simpler.

Could you be the next innovator to join us?

This is a 12 Month Fixed Term Contract.

What will your ‘typical’ day look like? Different that’s for sure…:

At Atom bank, Credit risk management across the entire customer journey is delivered by the 1st line Credit Risk Strategy team and overseen by the 2nd line Credit Risk team.

As Junior Credit Analyst you’ll support the ongoing review and oversight of credit performance across all lending products. You will also be responsible for reporting and analysis of lending product performance creating insight that will inform the development of our credit strategy in order to maximise the profitability of the lending portfolio. The role will require a proactive individual capable of working both independently and as part of a team.

• Perform comprehensive, regular credit reporting and investigative analysis on new business and portfolio management.
• Assist with the development and implementation of credit risk MI to ensure the effective and ongoing monitoring of all credit risk strategies.
• Support the development of credit risk strategies, including credit and affordability decisions, to support the business`s growth agenda whilst maintaining control of credit quality and performance.
• Assist with the implementation and monitoring of champion:challenger tests to progressively refine lending strategies.
• Ensure that all credit data and credit models are thoroughly and accurately documented and tested.
• Develop strong relationships with key business stakeholder teams.
• Work in conjunction with external parties e.g. credit bureaux, property valuers to identify data sources to support development of new business strategies.
• Undertake ad hoc work as directed by line manager from time to time.

What do we need from you?

• Understanding of data systems and infrastructures
• Programming, database extraction or reporting experience
• Strong data interpretation/interrogation skills, including data manipulation and analysis techniques, to create meaningful insight.
• Strong MS Office skills, in particular MS Excel
• Good verbal and written communication skills
• Strong attention to detail
• Proactive, hardworking, flexible and able to work under own initiative

What you’ll get from us:

• Salary £33k-£40k
• Flexible hybrid & remote working
• 4-day work week
• Annual Share Option – performance-related
• Incredibly generous company pension scheme (maximum of 13% of Atom input – you can put in more)
• ‘All About Me’ fund: £200 per year to spend on personal development.
• 22.5 days annual leave plus public holidays
• Private Medical Insurance, Health Cash Plan & Life Insurance
• Enhanced Parental Leave
• Electric Vehicle Scheme

PLEASE NOTE: You must have the legal right to work in the UK to apply for this role as Atom is unable to support Visa Applications/Sponsorship

Atom is an equal opportunities employer. We value you as an individual and therefore disregard race, religion/belief, gender, sexual orientation, maternity/pregnancy, age, gender reassignment, marriage/civil partnership and disability in any hiring decisions we make. Atom will always adhere to the Equality Act 2010.

All roles within Atom must adhere to the Conduct Rules as set out by the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA)

As part of Atom bank’s commitment to the FCA’s Consumer Duty, Atom will, take all reasonable steps to avoid causing foreseeable harm to customers, take all reasonable steps to enable customers to pursue their financial objectives and act in good faith.