LogoFresh Jobs Ahead
Castle Trust Bank
Castle Trust Bank
201 – 500 Employees
BankingFinanceFintech
Castle Trust Bank is a UK-based financial institution operating across banking, finance, and fintech. Its services include savings accounts with flexible and mobile-managed options, alongside mortgage products for holiday and residential lets, bridging finance, and fixed-term lending. Through Omni Capital Retail Finance, the bank also provides point-of-sale retail finance. Castle Trust Bank is regulated in the United Kingdom by the Prudential Regulation Authority and the Financial Conduct Authority.
LinkedIn
Company Jobs

Credit Risk Analyst, IFRS 9

Analyze portfolio data and IFRS 9 models at Castle Trust Bank, a fintech challenger bank. Support model development, governance, reporting, and credit risk analysis.

GBUnited KingdomHybridFull-timeMiddleSeniorEnglish RequiredAnalyst
CloudPythonSQL

Description

  • Review portfolio and model data to spot trends, anomalies, unexpected movements, and emerging risks.
  • Monitor, investigate, and help improve the Bank’s IFRS 9 models.
  • Collect, validate, reconcile, and transform data from multiple sources.
  • Investigate behavioural changes and shifts in model or portfolio performance.
  • Help develop and systematically test new or revised model components.
  • Use Python, SQL, or other analytical languages to examine data and make approved changes.
  • Prepare clear reports, presentations, and commentary for technical and non-technical audiences.
  • Document methodologies, assumptions, testing, limitations, and results.
  • Prepare analytical materials for risk and model governance committees.
  • Find ways to improve and automate recurring monitoring and reporting.
  • Assist with audits, assurance, and broader governance activities as needed.
  • Collaborate with colleagues in Risk, Data, Finance, and other teams across Castle Trust Bank.
  • Work with Databricks data and build experience in credit risk analytics, IFRS 9 model monitoring, and model development.

Requirements

  • A degree, usually at 2:1 level or higher, in a quantitative or analytical field such as mathematics, statistics, economics, finance, data science, computer science, or engineering.
  • Academic work involving mathematics, statistics, quantitative problem-solving, or data analysis, shown through relevant coursework, a project, or dissertation.
  • Experience analyzing data and turning findings into clear conclusions or recommendations.
  • Strong numerical, analytical, and problem-solving ability.
  • Practical familiarity with Python, SQL, R, or another analytical language, plus the motivation and ability to build technical skills.
  • Working knowledge of Microsoft Excel, including organizing, reconciling, transforming, and analyzing data.
  • A systematic approach to testing and the ability to keep clear records of methods and results.
  • Ability to communicate analytical information clearly in writing and conversation.
  • Careful attention to detail and the ability to manage competing priorities.
  • Desirable: experience in banking, financial services, credit risk, modelling, or another regulated sector.
  • Desirable: knowledge of IFRS 9 models or credit risk principles.
  • Desirable: experience with model monitoring, validation, or development.
  • Desirable: familiarity with Databricks or another cloud data and analytics platform.
  • Desirable: experience producing recurring reports or dashboards, or automating analytical processes.
  • Desirable: confidence using Python or SQL for analysis.
  • Desirable: experience presenting analysis to senior stakeholders, governance committees, auditors, or assurance reviewers.

Benefits

  • Performance bonus linked to individual and company performance.
  • Contributory pension through Hargreaves Lansdown.
  • Life assurance.
  • 25 days of annual leave, with the option to buy or sell up to five days.
  • An additional paid volunteering day.
  • Private healthcare through Equipsme, including dental and optical cashback.
  • Free access to the BHSF Rise employee assistance programme for health and wellbeing support.
  • Gym discounts.
  • Season ticket travel loans, where applicable.
  • Hybrid working, with three days in the office and two days from home.
  • A supportive and inclusive culture where your work can have a tangible impact.

Related Jobs