Senior Credit Risk Analyst - Portfolio

Our mission is to be the UKs simplest way to find and finance a great value used car. We want to put car buyers back in control and make the car buying experience as simple, straightforward, and joyful as possible as car buyers deserve oodles of car buying confidence!
We are a team of 450 people located in Manchester, Oxford and London. Over the past 8 years, weve supported 10,000s of customers on their car buying journey and know 2024 is shaping up to be another exciting year!
The Role & TeamOodle are looking for a Senior Credit Risk Analyst Portfolio to help us take the company to the next level. There is an abundance of exciting and challenging projects to get your hands on! If you love owning your work, data and driving business outcomes then come and join us in our fun and exciting journey! We have a hybrid working policy, with the team based out of Shoreditch, London.What You'll Do:Using analytical insight to drive decisions and change is fundamental to how Oodle operates. This role will be responsible for investigating and implementing loss forecast and payment support strategies optimising for performance and both company and customer outcomes. You will report into the Credit Risk function but will have opportunities to create impact in a variety of business areas like Customer Management, Operations, Finance, and Product, supporting strategic analytics and modelling.
You will:

Develop and optimise Oodles impairment and loss forecasting, leveraging internal and external data such as the credit reference agencies
Monitor and identify trends and movements from the Oodles impairment outputs and enhance model governance and documentation
Provide insight to management and operations on performance and productivity presenting to stakeholders at all levels, including members of the Executive Committee
Build strong relationships with stakeholders across the business, communicating insights and strategy decisions to different business partners, developers, operations teams, and management
Contribute to Oodles analytical models, employing cutting edge data science techniques and methodologies
Extract, manipulate, and analyse data on the performance of Oodles portfolio, ensuring the portfolio and collections strategies are performing within expectations
Work closely with operations including third parties to ensure the best customer outcomes

An experienced credit risk analyst with 3+ years experience in using data to provide insight and strategic change
Good communication and interpersonal skills are essential as the role will entail interaction with a range of stakeholders
Open-minded go-getter, willing and able to work independently and collaboratively to solve challenging and interesting problems
Logical and methodical problem solver, able to absorb complex information and propose solution
Proficient in Microsoft packages in particular Excel and PowerPoint
Coding experience (SQL/Python preferable)
Knowledge of impairment/provisioning/IFRS9 preferable

Our values are our personal brand and lay the foundation of what we care about the most. They provide us with guidance, so we can work towards the same goals. They are our DNA and are kept at the forefront of our Oodlers mind when making business decisions.

Embrace being human empathy and diversity make us stronger.
Strive for awesome its awesome when we do better every day.
Everyones a builder were in this together and we win as a team.
Bravely honest were honest with ourselves and everyone else.
Think customer theyre at the heart of everything we do.

To find out more about our culture and what happens at Oodle check out our LinkedIn and Instagram.
Oodle is proud to be an inclusive workplace and we recognise diversity of experience, thoughts and backgrounds leads to better customer outcomes and an environment where our colleagues can thrive. We have several DEI networks which are made up of our Oodlers who strive to make positive impacts to our cultures.
Wed love if you could submit your application online, but if you need an alternative method or need reasonable adjustments to take part in the interview process, please email careers@oodlefinance.com

Salary - from 58k p.a. plus yearly bonus scheme
Monday Friday (37.5 hours per week - hybrid working, 1 hour for lunch)

Our perks
25 days holiday increasing to 28 after 3 years of service, plus bank holidays, to take time to recharge and do something you love.
Hybrid working youll be able to split your time between working in the office and at home.
Healthcare plan free healthcare via Vitality for you and your family. Youll receive money back on health appointments e.g. dental, optical and more.
Pension Oodle will contribute 5% of your salary into your pension pot to help you save for the future.
Free breakfast, drinks and fruit in the office you can help yourself to cereals, toast, fizzy drinks and lots of fruit.
Employee discounts discounts you can access anywhere, anytime for all major shops.
1 day volunteer day per year an opportunity to give back to the community each year.
Mental health care 6 free counselling sessions via our EAP (Employee Assistance Programme).
Enhanced family leave we provide enhanced family leave for primary and secondary caregivers.