Senior Credit Risk Analyst | S2 | Corporate Bank Risk Division | Milton Keynes | Internal Mobility

Senior Credit Risk Analyst | S2 | Corporate Bank Risk Division | Milton Keynes | Internal Mobility

Country: United Kingdom

IT STARTS HERE

Santander ( is evolving from a global, high-impact brand into a technology-driven organisation , and our people are at the heart of this journey. Together , we are driving a customer-centric transformation that values bold thinking, innovation , and the courage to challenge what's possible.

This is more than a strategic shift. It's a chance for driven professionals to grow, learn, and make a real difference .

Our mission is to contribute to help more people and businesses prosper . We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Retail & Commercial Banking

is a global business integrating all our retail and commercial banking activities to better serve our customers, improve efficiency and drive value creation.

THE DIFFERENCE YOU MAKE

Portfolio Management in Corporate Credit Risk

are looking for a Senior Credit Risk Analyst based out of Milton Keynes .

As a Portfolio Analyst you will be responsible for undertaking detailed analysis on the corporate and commercial risk portfolio.

The team undertake management and regulatory reporting, provide ad hoc analysis to the CRO and monitor the bank's risk appetite limits, engaging a wide range of stakeholders.

We're shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for:

• Enhancing packs and reports used at senior risk committees and the wider business.
• Ensuring all Credit Risk MI is produced with a high level of accuracy and to agreed timescales.
• Ensuring all key attributes / risks of the sector are captured and addressed.
• Contributing to PRA (and other regulator) requests relating to Credit Risk, across Front Office and Risk.
• Challenging and seeking to generate actionable insights through analysis performed, informing decisions on policy, pricing, strategy, etc.
• Solving complex business problems using data analytics tools and providing practical value-based solutions.
• Identifying key portfolio issues requiring further investigation using in depth knowledge of credit portfolio performance.
• Enhancing the digital data proposition to allow improved visualisation and analysis of portfolio trends by utilising the data and tools available including SAS and PowerBI.
• Ensuring that solid links are fostered between Risk and other key business areas.

WHAT YOU'LL BRING

Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organisation. We're enabling teams to go beyond by valuing who they are and empowering what they bring.

The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Professional Experience:

• A good working knowledge of the Corporate & Commercial Bank, or Experience in CCB credit risk or Front Office/Line 1 (Preferred)

Education:

• Degree level in a subject (e.g. Maths, Statistics, Operational Research, Physics, or Engineering, ideally 2:1) and/or equivalent qualifications/experience (Preferred)

Hard Skills:

• Analytical, with excellent attention to detail - able to quickly spot potential mistakes and/or anomalies (Required)
• Coding/Data manipulation experience (e.g. SAS, SQL or equivalent such as Python, VBA) and proficiency in Microsoft Office, particularly Excel, with the ability to create reports independently (Required)
• Experience in development of PowerBI Dashboards (Preferred)

Soft Skills:

• Resiliency to setbacks, with the tenacity, drive and keen eye for detail required to solve complex challenging problems. Curious, creative and not afraid to speak up and challenge when necessary (Required)
• Good oral & written communication and excellent stakeholder management skills (Preferred)

WE VALUE YOUR IMPACT

At Santander, your contribution matters. We recognise the difference you make every day, and we make sure you feel valued, supported and rewarded in return.

Here, recognition goes beyond pay. It's about the pride you feel in your work, the impact you have on customers and communities, and the opportunities you have to grow and thrive - personally and professionally.

Salary Range

£37,762.00 - £56,642.00 per annum (depending on experience)

This salary range represents the expected remuneration for the role. Annual salary is based on a standard 35-hour working week. Actual salary offered will depend on skills, experience, qualifications and location.

• Competitive rewards that reflect the real impact you make and the value you bring.
• Wellbeing that goes beyond work - we work with a range of wellbeing partners across our 4 pillars of wellbeing (physical, mental, social and financial) to give you access to a suite of apps, discounted gym and fitness access, weekly online classes, flexible healthcare and mental health support.
• Support for every life stage - from menopause and pregnancy to parenthood and beyond, with enhanced family leave, childcare options and tailored wellbeing support.
• Time to give back through volunteering opportunities that let you make a difference in the communities we serve.
• Global growth opportunities to shape your career, learn new skills and explore what's possible across our international network.

Ready to be recognised? It starts with you.

LOCAL COMPLIANCE

At Santander, we're proud to be an inclusive organisation that provides equal opportunities for everyone - regardless of age, gender, disability, civil status, race, religion or sexual orientation.

We're committed to creating a recruitment experience that's accessible, fair and welcoming for all candidates.

We want our people to thrive - at work and at home - while delivering the best outcomes for our customers and supporting each other to grow.

To make this possible, our roles are site-based with a hybrid working pattern , where colleagues are expected to attend the office at least 12 days per month (pro-rata for part-time roles).

When applying, please consider the travel distance, time and cost to your chosen office location.

We welcome applications on the understanding that, should you be offered this role, there may be no relocation package available. Santander will pay the employer mandatory government fees that are required to pay in connection with visa sponsorship. You may be liable for your own personal employee immigration and relocation costs.

If you want to know more about the opportunity

Please contact Peter Donohoe - or David Whitehouse

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