Junior Credit Risk Analyst

We''re Atom The bank that''s on a mission to make finance faster, simpler and way more human. We''ve ditched the stuffy banking model to build something that actually works for our customers, whenever and wherever they need us. To make this happen, we''re looking for like-minded people who can help us reach our goals and think differently. We really value in-person collaboration and this role requires regular attendance at our Newcastle HQ. What will your typical day look like? In our Credit Risk team, data isn''t just reported - it directly shapes how we manage retail credit risk across the entire customer journey, drives our PandL, and keeps the bank safe while supporting growth. As a Junior Credit Risk Analyst, you will support the review, oversight, and strategic development of credit performance across all our lending products. You won''t just be crunching numbers in a silo; you''ll translate complex data into clear insights that directly inform lending strategies, automated credit decisions, and portfolio quality. Eventually you will independently own and run our Credit Risk Management Information (MI) processes end-to-end for key governance committees. You won''t just compile the packs, you''ll spot emerging data trends, raise proactive alerts, and recommend concrete strategy adjustments to senior stakeholders. MI and Governance Reporting: Own the production and analysis of credit risk MI to ensure effective ongoing monitoring of all credit risk strategies. ..... full job details .....