Job Description

A unique and exciting opportunity has arisen for an experienced Senior Credit Risk Analyst to join the New Lending and Property Risk team on a 12-month fixed-term contract, playing a key role in advancing our Risk Management capabilities.


The Retail New Lending and Property Risk team plays a vital role within YBS's broader Credit Risk function. We work closely with colleagues across Trading, Finance, and Operations to proactively identify, assess, and manage credit risks. Our collaborative approach ensures we deliver exceptional experiences for our customers and members, while driving sustainable growth and performance.

About the Role

As a Senior Credit Risk Analyst, you'll play a pivotal role in advancing YBS's Property Risk Management. Using your credit risk expertise, you'll generate data-driven insights to assess property exposure and shape strategic initiatives. You'll collaborate closely with fellow analysts, the Chief Valuer, and external partners. Other key responsibilities may include:



Conduct market scanning and competitor benchmarking to ensure our lending policies and standards remain appropriate, competitive, and aligned with industry best practice. Optimise our approach and execution of valuations and property risk standards, supporting borrowers through their onboarding journey. Maintain and enhance key credit risk controls, ensuring they remain robust, compliant, and aligned with regulatory expectations. Provide assurance to internal and external stakeholders by responding to oversight findings and addressing identified concerns, ensuring our credit risk governance remains effective and accountable.

About You

We are seeking a motivated individual with prior experience working for a mortgage lender and a proven track record in credit risk management. To succeed in this role, you will also have:

Knowledge of processes and tools associated with management of Property Risk across both Residential and Buy to Let lending. Proven ability to independently lead programmes of complex analytical work Outstanding analytical and problem solving skills Excellent communication skills Expert skills in data manipulation, SAS (or similar statistical packages), SQL and Microsoft Excel

About us

At YBS we don't have shareholders, we have members. We care about people and that includes you. So here, you'll be respected for who you are, you'll be able to bring your whole self to work, and you'll have everything you need to build a long and rewarding career.

Flexibility.

We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it's finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you. We're happy to talk flexible working and you can reach out to us anytime to discuss this during the recruitment process.

Development.

We want you to feel challenged here. Whatever your ambitions, we're committed to helping you develop your skills and move ahead in your career journey. From day one, we'll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.

Inclusivity.

We're passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you'll go the extra mile to help our members, you'll fit right in and feel you belong here.

About our Benefits

We offer lots of fantastic rewards that you can make the most of in and out of work, including:

Holiday.

You'll get 25 days plus Bank Holidays, as well as the option to buy up to a further 5 days.

Bonus.

At YBS we work collaboratively and share in our success together, so when we reach our goals were all rewarded with an on target bonus of 7% of eligible pay (with the opportunity to earn up to a maximum 15%).

Pension.

We know how important it is to save towards the future, that's why we'll contribute up 11% into your YBS pension.

Healthcare.

Health and wellbeing are an important part of life at YBS, when you join us you'll have access to a range of health benefits to suit your life including private medical insurance, dental and healthcare plans.

My Benefits.

When you join YBS you'll have access to our self-service benefits portal, where you can access a range of retail, hospitality and health discounts.

Ready to apply?

If you're excited about this role and want to be part of the YBS team, click apply now to send us your application.

Want more information?

If you have any questions about this role, please contact Olivia Lambert at Olambert@ybs.co.uk