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The position supports forecasting by identifying emerging trends in portfolio data, contributes to credit initiatives and internal policy proposals with data-driven recommendations, and manages competitor pricing analysis to benchmark and adjust rates. 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You’ll also help shape our pricing strategy, ensuring our products remain competitive and work effectively for our members.\u003Cbr>This is a fantastic opportunity to make a real impact in a values-driven organisation, using data to drive smarter decisions while learning and growing in a collaborative team. |\n\n\n| Main Duties & Areas of Responsibility |\n| --- |\n| Examples of duties include, but are not exclusive to;\u003Cbr>Credit Risk & Portfolio Analysis\u003Cbr>• Maintaining Credit Risk Appetite:\u003Cbr>You will monitor and analyse our lending portfolio, ensuring that all credit activities align with our risk appetite. This involves regular review of key performance metrics and risk indicators to ensure we stay within defined thresholds.\u003Cbr>• Credit Risk Reporting & Insight:\u003Cbr>You’ll generate comprehensive reports detailing product-level credit risk exposures. These reports will not only highlight current risk positions but also provide actionable insights to help stakeholders make informed decisions. |\n\n• Data Trend Analysis:  \nLeveraging portfolio-level data, you will identify emerging trends and patterns. Your analysis will support forecasting efforts and help pinpoint areas of potential improvement or concern, contributing directly to strategic planning.  \n• Supporting Initiatives & Policy Proposals:  \nWorking closely with your colleagues, you’ll support new credit-related initiatives by providing datadriven insights and recommendations. Your analysis will help shape internal policies and enhance our understanding of credit risk dynamics across different products.  \nPricing & Market Analysis  \n• Competitor Pricing Analysis:  \nYou will be responsible for gathering and dissecting competitor pricing data. This includes tracking market trends, identifying pricing adjustments, and benchmarking our rates against those of our competitors to ensure our offerings remain attractive.  \n• Optimising Pricing Structures:  \nUsing your analytical skills, you will help identify opportunities to refine our pricing models. Your insights will support initiatives to balance competitiveness with sustainability, ensuring our asset and liability pricing is both efficient and forward-thinking.  \n• Dashboard & Report Creation:  \nYou’ll design and maintain dynamic dashboards and reports that provide a clear picture of pricing performance and product opportunities. These tools will be used by various teams to make quick, informed decisions aligned with market shifts and yield curve movements.  \n\n| Skills and Experience |\n| --- |\n| Essential:\u003Cbr>• Strong Excel skills, with the ability to manipulate and interpret data.\u003Cbr>• Data modelling skills, with an eagerness to develop further.\u003Cbr>• Some exposure to coding in SQL and Python.\u003Cbr>• A curious mindset—someone who enjoys problem-solving and spotting patterns.\u003Cbr>• A collaborative approach—comfortable working with colleagues across different teams.\u003Cbr>• Exceptional Communication skills, both verbal and written\u003Cbr>• High level of attention to detail and accuracy to drive a 'right first time, every time' approach\u003Cbr>• Exceptional organisational skills\u003Cbr>• Ability to use initiative to find solutions to proble","cbCaie1QO9BRy2uA","https://ap.wps.com/l/cbCaie1QO9BRy2uA","pdf",261258,"English","# Role Purpose\n## Main Duties & Areas of Responsibility\n## Skills and Experience\n## Acceptance","[{\"question\":\"What are the core goals of the Credit Risk and Pricing Analyst role?\",\"answer\":\"Ensure lending remains sustainable and aligned with credit risk appetite, and help shape pricing strategy using data to keep products competitive for members.\"},{\"question\":\"Which credit-risk responsibilities are included?\",\"answer\":\"Monitor and analyse the lending portfolio, maintain alignment with risk appetite through risk indicators and thresholds, and generate product-level credit risk reporting with actionable insights.\"},{\"question\":\"How does the role contribute to pricing and market decisions?\",\"answer\":\"Gather and dissect competitor pricing data, benchmark rates, refine pricing models to balance competitiveness with sustainability, and build dashboards and reports to support timely decisions aligned with market shifts.\"}]","Credit-Risk-and-Pricing Analyst - Credit Risk and Pricing Analyst Role Description | PDF",1789345581]