The Royal Bank of Scotland is seeking Risk Analysts to join its
Retail Lending Systems department, which controls the automated
credit decision processes for personal and small business
customers.
Applicants should have a good first degree (1st or 2/1) in a
numerate subject, preferably Statistics or Mathematics. An MSc
and/or credit scoring experience is also required.
The jobs are based in Edinburgh, and a flexible, competitive
package including financial sector benefits is offered.
About the Royal Bank of Scotland
Founded in 1727, the Royal Bank of Scotland Group is one of
Europe's leading financial services groups. The Group has a
strong position in the UK, ranking first in corporate, private and
offshore banking, and second in retail banking and private motor
insurance. Serving over 15 million customers, the Group has
more than 2000 branches throughout the UK and Ireland, and
operates worldwide.
In addition to the provision of a full range of banking services under
The Royal Bank of Scotland plc and NatWest brands, the Group
also includes Direct Line, Ulster Bank, the US-based Citizens
Financial Group, joint ventures with Tesco Personal Finance and
Virgin Direct, and a strategic alliance with Banco Santander of
Spain.
About Retail Lending Systems
Part of Retail Banking, Retail Lending Systems' responsibilities
include
- the initial automated decision on whether or not to allow
borrowing of a loan, mortgage or overdraft;
- ongoing evaluation of the performance of accounts for the
purposes of extending credit facilities;
- identification of signals indicating that problems are developing
which may impact upon the customer's ability to repay
outstanding debts.
These are achieved by means of credit scoring, behaviour scoring
and automated decision-making systems based on modelling
customer relationships and account performance. The
department's role is central to achieving the vital balance between
risk and reward which ensures continuing success for the Bank,
and this has been recognised in the rapid growth of Retail
Lending Systems over recent years.
Successful applicants will enjoy the satisfaction of high-profile
work with clear practical effects, within a team-working
environment.
Requirements include an understanding of statistical techniques
and an aptitude in using mainframe statistical packages to
manipulate and analyse large datasets (SAS is the main
package used). Successful candidates will also be expected to
make effective use of Microsoft Office products, such as Excel,
PowerPoint and Word, and to present results of analyses to
senior management.
In return, the Bank offers individual training and development
plans, promotion prospects, early responsibility, mentoring,
and opportunities to study for further professional qualifications.
Location
Retail Lending Systems is based in Edinburgh, Scotland's
capital city. Rich in history and culture, Edinburgh houses many
museums, galleries and historic buildings, with a variety of parks
and gardens, and a skyline dominated by its 7th century Castle.
The city offers a wide choice of bars and restaurants to cater for
all tastes, and each year it hosts the world-famous International
Festival and Fringe.
Interested?
Candidates wishing to apply for these vacancies should write
or e-mail, enclosing a CV, to the following address:
Dr Stuart G Young
Retail Lending Systems
The Younger Building
Drummond House
PO Box 20000
3 Redheughs Avenue
Edinburgh EH12 9RB
e-mail: [log in to unmask]
tel (for informal enquiries): 0131 523 4903
General information about the Royal Bank of Scotland can be
found at www.rbs.co.uk
--
Dr Stuart G. Young, Senior Business Analyst, Royal Bank of Scotland
Tel/Fax: 0131 523 4903/6518, E-mail: [log in to unmask]
The Royal Bank of Scotland plc is registered in Scotland No 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB.
The Royal Bank of Scotland plc is regulated by IMRO, SFA and Personal Investment Authority.
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