The Portfolio Credit Risk Team is responsible for ensuring the appropriate credit risk management of the retail portfolios (mortgages / credit cards / personal loans / overdrafts). The mortgage and personal loans businesses are in a growth phase involving expansion to new market segments, distribution channels and products and the Portfolio Credit Risk team will have a critical role to play in supporting the growth agenda by providing analysis and emerging trends for the portfolios.

Purpose of the Role

The role is primarily be responsible for providing insightful analysis in order to support in-depth understanding of the profile, trends and issues within the mortgage and consumer finance portfolios and for making recommendations for change to lending policy, processes or models as appropriate.

Key Accountabilities

• Undertake analysis of portfolios to provide insight and understanding of the key drivers of credit risk, trends over time and to identify anomalies / areas for investigation.
• Undertake development of the forecasting of credit risk appetite limits and bad debt forecasting.
• Use analysis and reporting in order to identify opportunities to improve business processes.
• Provide high quality credit risk input to projects, new product development, ad-hoc investigations and policy changes ensuring risk management is central to the decision making process.
• Review and interpret benchmarking in order to identify trends and to provide insight on industry best practice and performance against peers.

What is the opportunity?

You will work with an experienced and supportive team to enable the development of skill-set as a data analyst. Working closely with many areas of the business including credit policy, modelling & finance, your day-to-day and project based work will contribute directly to Bank of Ireland strategic objectives and keeping the bank safe through an uncertain economic outlook.

Essential Qualifications

• Graduate with a university degree (preferably a Maths degree)

Essential Skills & Experience

• Strong SAS skills - with the ability to manipulate large data sets from multiple sources and to develop SAS code with minimal steer.
• Credit Risk Analytical experience - 2+ years working within a credit risk analytic environment developing credit strategies, including the development and production of credit risk MI.
• Excellent Excel skills

Bank of Ireland Group is an equal opportunities employer and is committed to fostering an inclusive workplace which values and benefits from the diversity of our workforce

Where Agency assistance is required Bank of Ireland Recruitment Team will engage directly with suppliers. Unsolicited CVs / profiles supplied to Bank of Ireland by Recruitment Agencies will not be accepted for this role.