Overview
Hours:
This vacancy is for a permanent full time role, 35 hours per week, working 3 days a week in our Skipton Head Office and two days from home.
Salary:
£71,000 Per Annum
Closing Date:
Fri, 7 Aug 2026
Join us at the forefront of credit risk modelling, where you'll lead the development and ongoing evolution of predictive models that help shape strategic decisions and ensure regulatory compliance. From IRB to IFRS 9, your expertise will be instrumental in assessing credit losses across our residential mortgage portfolio.
What You’ll Do
Your key responsibilities will include:
- Extract, analyse and manipulate large datasets to generate meaningful insights and support credit risk modelling.
- Develop, test and document statistical models, ensuring they are robust, reliable and fit for purpose.
- Design and enhance analytical processes that deliver efficient, high-quality business outcomes.
- Champion modelling best practice, governance standards and emerging techniques across the team and wider business.
- Produce and present clear, insightful reporting to stakeholders, including senior management committees.
- Support business change initiatives by providing constructive challenge, driving continuous improvement and adhering to established
change management processes.
What You’ll Need
- Strong knowledge of statistics, predictive modelling techniques and credit risk assessment, including capital and impairment modelling.
- Experience working with large, complex datasets to generate insights and support decision-making.
- Proven experience delivering complex modelling projects and managing stakeholders at all levels, including senior leaders.
- Ability to interpret data, draw meaningful conclusions and translate findings into actionable recommendations.
- Excellent communication skills, with the ability to explain complex technical concepts clearly to both technical and non-technical audiences.
- A self-motivated and proactive approach, with the ability to work independently, manage competing priorities and continuously develop your expertise.
What’s In It For You
Your work matters.
And the way we reward you matters, too.
At Skipton, we offer pay and benefits that really do make life better, together with a genuine thank you for making a difference.
- Annual discretionary bonus scheme
- 25 days standard annual leave + bank holidays + rising 1 day per year of service to a max of 30 days
- Matching employer pension contribution (up to 10% per annum)
- Colleague Mortgages and access to Skipton products and services at discounted rates
- Flexible working to help balance your commitments
- Private medical insurance, health and wellbeing app, volunteering opportunities, cycle-to-work scheme, discounted gym memberships
- Lifestyle perks such as a Home and Tech voucher, which can be used at John Lewis, Currys, and IKEA
We’re here to make life better for our members.
About Skipton.
Our story began in 1853 in Skipton, North Yorkshire. Today, you’ll find us across England and Scotland, from Aberdeen to Plymouth.
We help o
ver a million members put down roots, save for what matters, and feel good about their money. As a mutual, they own us, so everything we do is for them. You'll feel that same fairness and purpose in how all 2,500 of our colleagues work together, too
It all means that life at Skipton is more exciting than you imagine.
What it's like to work here
Life at Skipton
We talk and we listen to each other. And we make decisions as a team. That way, you get all the support you need to do work that works for everyone.
For most of our roles there's the option of blended working, which means we mix working from home and meeting in person with three days a week in our Skipton head office and two days working from home.
We also value what everyone brings to Skipton. And we create a fair place where you can be yourself. Our colleague networks play a big role in this. They connect people with similar life experiences and make our workplace warm, friendly, inclusive and welcoming.
It’s not just our members who are important to us.
You are, too.
Lots of organisations talk about wellbeing, but they don’t always back it up. As a mutual, we put people first. And that includes the people who work here. So, when we say we care about your wellbeing, we mean it.
Wellbeing isn't just one thing. It’s about feeling good, having energy, and being able to be yourself and perform at your best. That’s why we offer help for your mental and physical health across five key areas.
What’s more, it’s help that you can actually use too – not just read about.
Apply now
Sounds like you? Then apply now.
You don't need to tick every box – we look for people who care about our members and who want to grow at the same time. The rest can follow.
Salary: £71,000 plus benefits
Job ID:VP1589479B
IMPORTANT: Before applying for this role, please make sure you have the right to work in the country where the role is based. Unless it clearly stipulates within in the job advert above that the hiring company is looking to or able to sponsor applicants it is deemed that the hiring employer will only consider applications from those able to comply with and work in the country where the role is based.
