Shawbrook
Risk Analyst Degree Apprentice
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Company Description
Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.
We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.
The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent.
If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person
Work with us because you:
- Want to be part of a bank built for the dynamics of the modern world
- Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
- Enjoy finding new and better ways to solve complexity and make things happen
- Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
- Care about society and the environment and want to be part of a business that cares too
- Want to continue to grow professionally and be the best version of yourself
Job Description
The Risk Analyst will play a pivotal role in Shawbrook’s Risk function, using advanced analytics, machine learning, and data-driven insights to strengthen risk management, improve decision-making, and support sustainable business growth. Working within the Risk Analytics and Decision Science teams, the role combines technical expertise with commercial awareness to deliver data science solutions that mitigate risk, enhance credit decisioning, and enable more efficient operations.
Key Responsibilities
Risk Analytics & Decision Science
- Develop, validate, and implement credit risk and machine learning models to support credit risk assessment, fraud detection, impairment provisioning and capital adequacy.
- Analyse large and complex datasets from multiple sources (structured and unstructured) to identify patterns, drivers, and emerging risks.
- Apply predictive modelling and AI techniques to optimise customer decisioning strategies and risk-based pricing.
- Evaluate data sources, governance, and quality to ensure reliability and compliance with regulatory standards.
- Work with cloud-based and on-premise data solutions to deliver scalable analytics.
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Collaboration & Communication
- Partner with Risk, Finance, Product, and Technology colleagues to translate business problems into data science solutions.
- Communicate complex findings to non-technical stakeholders through clear storytelling, dashboards, and visualisations.
- Present insights and recommendations to senior stakeholders to guide strategic decision-making.
Innovation & Continuous Improvement
- Stay at the forefront of emerging data science techniques, tools, and regulatory developments affecting financial services.
- Contribute to the development of Shawbrook’s decision science capability, embedding AI and automation into risk processes.
- Support ongoing model monitoring, back-testing, and recalibration to maintain model performance.
Key Knowledge & Skills
(Aligned with the Level 6 Data Scientist programme - L6 Risk Analyst)
- Strong statistical and mathematical foundations, with modules in probability, algebra and calculus.
- Excellent written skills, with academic experience with writing documents and presentations
- Experience with spreadsheets to analyse, filter and summarise data to tell a story through tables and graphs.
- Some experience and interest with programming, ideally from within VBA, Python, R, SQL or cloud technologies (AWS, Azure, GCP).
- Strong communication skills: able to convey technical insights into actionable recommendations.
- Interest in AI applications and machine learning.
Behaviours & Attributes
- Curious and Analytical – seeks to uncover new insights and challenge existing assumptions. Creative in how they approach problems
- Collaborative – works effectively across multi-disciplinary teams.
- Commercially Minded – balances technical rigour with practical business impact.
- Adaptable – thrives in a dynamic environment with shifting priorities. Able to prioritise workload and tasks.
- Communication - articulate, both verbally and in the way that information is conveyed in reports and presentations, with ability to communicate complex information in a simple and effective way.
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Why Join Shawbrook?
- Be part of a fast-growing specialist bank, leveraging data and decision science to transform risk management.
- Opportunity to apply cutting-edge techniques in AI, machine learning, and advanced analytics.
- Join a collaborative culture where curiosity, innovation, and impact are encouraged.
- Support to continue developing your technical and professional skills, with pathways for further qualifications and advancement.
Qualifications
- 104 UCAS points (BCC at A Level) and GCSE Mathematics and English (grade C/4 or above).
- OR
- Completion of a Level 3 Apprenticeship/Professional Qualification in a relevant discipline
- OR
- We will consider applications from employees with 1-2 years work experience, ideally within banking, financial services, or fintech.
Additional Information
Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:
- Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
- Free access to Headspace, a mindfulness & meditation digital health app
- Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
- EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
- Cycle to work scheme
- Discounts on gym membership
- Contributory pension scheme & death in service
Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.
- Minimum of 27 days holiday per year
- Option to buy or sell holiday days through our flexi-holiday scheme
- Discounts on gym membership nationwide
- Access to discounts on a range of high street and online brands
- Community support and charitable giving
Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.
- Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
- Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done
Department: Prudential Risk
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