Senior Regulatory Analyst

The senior regulatory analyst will be part of the model building team that is responsible for building logistic regression and machine learning models. It is a combination of bureau models as well as models for our clients. The typical models we build are a combination of probability to default, collection models, behaviour models, early warning risk categorisation, income predictors and fraud models. Experian also hosts regulatory models for specific clients and the senior analyst will be responsible for the management and/or running of these models.  They will also be responsible for other client or internal projects in this team including

-         Complex data work to prepare data for model building,

-         Building models in Paragon Modeller/ SAS and Python

-         Presenting models to stakeholders

What you’ll be doing 

• Lead regulatory analytics initiatives within the team, focusing on compliance with IFRS 9 and Basel requirements.
• Validate, and monitor PD, LGD and EAD models that support ECL calculations.
• Execute a monthly run for regulatory models, ensuring timely and accurate delivery in line with client SLAs.
• Provide guidance to junior members of the team also running monthly runs for regulatory models.
• Manage workload to meet deadlines, including working overtime when required to fulfill service commitments.
• Developing scorecard models i.e. PD models or regulatory models
• Testing bureau models to fit on different portfolios
• Calibration of models to recent populations, different bad definitions and/or different portfolios
• Validation of models, both internal and external models.
• Review existing modelling processes and identify opportunities to optimize current model building processes and ensure that sufficient quality control measures are in place.
• Assist in aligning the team’s objectives and focus with Experian’s model building strategy.
• Ensure quality and accuracy of own work and the work of any analysts on specific projects 
• Carry out and lead others in confirming the integrity, extraction, formulation and quality control to develop new bureau and bespoke client models.
• Analyze results from monitoring packs to identify and interpret trends.
• Assist in upskilling more junior team members to enhance their skillsets both from a technical perspective and modelling interpretation.
• Ensure process and product documentation is up to date and interpretable both by internal and external stakeholders.
• Participate in sales enablement when new analytics products, specifically models that is launched.
• Attend client meetings to support pre-sales and post-sales discussions pertaining to analytics data products, specific modelling.
• Stay abreast of legislation and regulation as they relate to Experian’s analytical solutions.

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, create marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realize their financial goals and help them save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agribusiness, insurance, and many more industry segments.

We invest in people and new advanced technologies to unlock the power of data. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 22,500 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

• Degree or equivalent standard, with high mathematical content o e.g. Mathematics, Statistics, Economics, Business Mathematics and Informatics, Accounting, Engineering, Actuarial Science, Scoring Specialist or Data Science. 
• Minimum Required Background and Experience:
•  5+ years of hands-on experience in credit risk modeling or regulatory analytics (IFRS 9, Basel, or similar frameworks) 
• Practical experience developing, validating, or running PD, LGD, and EAD models 
• Strong understanding of regulatory requirements for credit risk and expected credit loss (ECL) calculations 
• Proven ability to manage recurring operational cycles and meet tight deadlines 
• Familiarity with audit processes, regulatory reviews, and responding to external/internal model validation findings

Our uniqueness is that we celebrate yours. Experian's culture and people are important differentiators. We take our people agenda very seriously and focus on what matters; DEI, work/life balance, development, authenticity, collaboration, wellness, reward & recognition, volunteering... the list goes on. Experian's people first approach is award-winning; World's Best Workplaces™ 2024 (Fortune Top 25), Great Place To Work™ in 24 countries, and Glassdoor Best Places to Work 2024 to name a few. Check out Experian Life on social or our Careers Site to understand why.

Experian is proud to be an Equal Opportunity and Affirmative Action employer. Innovation is an important part of Experian's DNA and practices, and our diverse workforce drives our success. Everyone can succeed at Experian and bring their whole self to work, irrespective of their gender, ethnicity, religion, colour, sexuality, physical ability or age. If you have a disability or special need that requires accommodation, please let us know at the earliest opportunity.

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