Senior Analyst

Senior Analyst

An exciting opportunity has arisen for an experienced Senior Savings Analyst to join a leading financial services business in Edinburgh on a permanent basis.

Purpose:

The successful candidate will join an established team responsible for forecasting and planning key P&L drivers based on the analytical understanding of the customer & product; using SAS, SQL & Excel to analyse & rationalise data, trends and past performance to provide actionable insight to support the development of proposals which will help the business achieve required funding & liquidity.

Core Responsibilities:

• Considering the wider impacts within the business and the potential impact(s) on Savings
• Co-ordinating with treasury and finance to ascertain key drivers behind Savings targets
• Constructively challenging assumptions around funding and the Savings balance path
• Supporting the delivery of Savings balances within budget and corridor

• On-going analysis of the underlying backbook movements (e.g. transactional behaviour, attrition, retention, dormancy, cost of funds, cost of liquidity)

• Monitoring market and recommending potential backbook efficiencies (e.g. pricing, costs, liquidity)
• Collaborating with key stakeholders including Finance and Treasury to drive key decision making
• Analysing previous trends to support and update key planning assumptions
• Contributing to commercial analytics within Savings, making recommendations on an on-going basis

• Delivering focused product insight, MI and data analysis to help drive business decisions with insightful commentary for Senior Manager / Executive Boards
• Providing complex analytical advice and recommendations to the business, using own judgement as to when more complex issues require escalation

• Demonstrating awareness of key assumptions and identify product performance gaps through analysis
• Analysing customer behaviours in relation to product structure and design
• Understanding key drivers that affect liquidity holdings within the bank including Liquidity Coverage Ratio (LCR)
• Constructively challenging current Individual Liquidity Adequacy Assessment Process (ILAAP) and Individual Capital Adequacy Assessment Process (ICAAP) assumptions
• Supporting the Savings team and wider business with ad-hoc analysis/ projects as required

• Contributing to papers seeking approval for key changes (e.g. product and pricing)

Desired Experience:

The successful candidate will ideally be degree educated Degree educated, preferably in a numerical discipline with experience working in an analytical role within Financial Services.

Desirable experience includes;

• Past experience in credit cards, loans or savings an advantage, but not essential
• Proven experience in driving insight through analysis using SAS and / or SQL and Excel / Access
• Commercial awareness
• Excellent organisational skills
• Highly numerate
• Strong people skills and excellent stakeholder / relationship management skills.

This is an excellent opportunity to join a forward thinking business that will / can provide realistic scope for career progression.

Please apply below