Graduate Decision Analytics Analyst

An exciting opportunity has arisen for an exceptional numerical graduate to join a highly commercial, analytically driven business function, specialising in Decision Analytics and Credit Risk Modelling.

The role offers the opportunity to develop expertise in statistical modelling, predictive analytics and data-driven decision-making, supporting the development and optimisation of credit risk strategies.

We are looking for a graduate with strong numerical aptitude, excellent analytical reasoning and a genuine interest in applying mathematical and statistical techniques to real-world commercial challenges.

Suitable candidates will have recently graduated in Mathematics, Statistics, Operational Research, Economics or a closely related quantitative discipline. Previous experience gained through an industrial placement or graduate-level analytical role would be advantageous, although not essential.

Key Responsibilities

• Apply statistical modelling and advanced analytical techniques to support credit risk decision-making, strategy development and optimisation.
• Develop, test and refine predictive models to assess customer risk, behaviour and profitability.
• Utilise data mining, statistical analysis and mathematical modelling to identify trends, patterns and opportunities within large datasets.
• Support the development and monitoring of credit risk scorecards and decision models.
• Undertake scenario analysis and modelling to assess the potential impact of changes to credit risk strategies and lending decisions.
• Analyse model performance, identify areas for improvement and contribute to the ongoing enhancement of decision analytics frameworks.
• Produce analytical reporting and management information to support commercial and risk-based decision-making.
• Communicate complex statistical findings and analytical insights to non-technical stakeholders, translating analysis into clear, actionable recommendations.

Candidate Requirements

• A 2:1 degree or above in Mathematics, Statistics, Operational Research, Economics or a closely related quantitative discipline, ideally from a leading university.
• A relevant MSc qualification would be advantageous but is not essential.
• Strong numerical aptitude, logical reasoning and problem-solving skills.
• An understanding of statistical modelling techniques, particularly linear and logistic regression.
• Knowledge of predictive modelling, scorecard development and statistical model performance measures such as Gini, KS statistics, R-squared and population stability would be advantageous.
• Excellent attention to detail and the ability to interpret complex datasets.
• Strong Excel skills, including data manipulation, interrogation and analytical reporting.
• Exposure to analytical tools such as Python, R, SAS, SPSS or VBA would be beneficial.
• Strong communication skills and the ability to explain analytical concepts to non-technical audiences.
• A proactive, inquisitive approach, with the ability to work independently and collaboratively within a fast-paced environment.

What's on Offer?

• Starting salary of £30,000 – £35,000
• Hybrid working – 2 days per week in the Birmingham office
• Performance-related pay (PRP)
• Company pension scheme
• 25 days' annual leave
• Life assurance
• Structured internal and external training and development
• Opportunity to develop specialist expertise in Credit Risk, Statistical Modelling and Decision Analytics
• Clear opportunities for long-term career progression within an established analytical function

Right to Work Requirements

Applicants must already hold full, unrestricted rights to work in the UK.

Visa sponsorship is not available for this position, either now or in the future. Candidates must therefore have an existing right to work in the UK without requiring employer sponsorship at any stage of their employment.