Who is Charity Bank?

Charity Bank is a savings and loans bank with a mission to use money for good. We use the money our savers entrust to us to make loans to charities, social enterprises and organisations with charitable purposes. Our community of borrowers, savers, shareholders and staff are all working towards one goal – helping to create lasting social change in our communities. If you believe that banks have a vital role to play in creating a world, we all want to live in and you want to live your values at work, apply for this vacancy today.

Charity Bank Recruitment Process

At Charity Bank, we prioritise inclusion and fairness in our recruitment process. Our use of recruitment software helps mitigate unconscious bias by incorporating skill-based questions alongside CVs. Responses and CVs are anonymised and reviewed in random order by our hiring team to ensure an equal chance for all candidates, regardless of background. Demographic questions are strictly for statistical purposes, ensuring a balanced candidate pool. Opting out of these questions is an option.

The use of AI tools (e.g., ChatGPT or similar) is permitted in the application process. However, we advise against copying and pasting answers from AI tools, as this often results in generic responses. We encourage you to showcase your own experiences, voice, and style in your answers

We review all applications within two weeks after the closing date, so expect feedback shortly thereafter. If you require reasonable adjustments during the application process, please email us at recruitment@charitybank.org.

Disability Confident Scheme

Under the Equality Act 2010, a person with a disability is someone who has – or has had in the past – a physical or mental impairment which has a substantial and long-term adverse effect on that person’s ability to carry out normal day-to-day activities.

As an Equal Opportunities and Disability Confident Committed employer, we actively encourage applications from people who consider themselves to have a disability falling within this broad definition. To access the Disability Confident Scheme, as an applicant with a disability/long term health condition/mental health condition, you are simply required to:

• Show that you meet the essential criteria described in the person specification.

• Answer ‘yes’ to both the following questions on the Bank’s application form, ‘according to the definition of disability do you consider yourself to have a disability?’ and ‘do you wish to be considered under the Disability Confident Scheme?’

You are not required to share the name or nature of your condition; you are simply stating the fact that you have a disability or long-term health condition/mental health condition. If you do not answer ‘yes’, your application will not be considered under the Disability Confident Scheme.

Adjustments for the application process and interview can be made if needed, so please contact us at recruitment@charitybank.org if you require this.

We are keen to recruit from as diverse a talent pool of applicants as possible, so the scheme gives you not a guaranteed job offer but an opportunity to be fairly and equally assessed in interview along with other candidates who meet the criteria for the role.

Hiring managers do not automatically know the details of your condition(s), they are allowed only to ask what adjustments you may need before the interview or when you are in receipt of a job offer.

Be reassured that any adjustments you require will be treated in the strictest confidence and will not form part of any aspect of the assessment.

If a job offer is made to you, we will discuss with you any adjustments that you may need in the workplace to enable you to perform the duties required. These will not be discussed at the interview.

In your application, please ensure you demonstrate clearly how you meet the essential criteria.

If you have any questions about the process, please contact us recruitment@charitybank.org.

Four-Day Week with Full-Time Pay 

Charity Bank's Four-Day Week initiative, open to all employees from day one, champions work-life balance by providing four days of work with full-time pay. This innovative approach underscores productivity, equal compensation, and the creation of an inclusive workplace in line with Charity Bank's social mission. The 32-hour workweek typically spans four eight-hour days, offering flexibility to typically choose Friday or Monday as the day off. Days off are protected and treated like weekends, ensuring uninterrupted personal time. The arrangement is flexible, adapting to part-time employees on a pro rata basis. 

Overall Purpose of the Role

The Credit Data Specialist is responsible for managing credit risk, maintaining data integrity, and providing analytical insights to support strategic decision-making. This role combines expertise in credit portfolio management, regulatory compliance, and advanced data analytics to ensure robust risk management and operational efficiency.  The role requires very strong attention to detail, analytical, organisational and communication skills, with a focus on data maintenance and reporting.

 Charity Bank is on an active modernisation journey, adopting software engineering practices including version control (git) and cloud-based data platforms such as Databricks. You'll help shape this evolution while working with modern analytical tooling including Python and SQL.

Dimensions of the Role

Key Contacts:

• Internal: Credit, Lending Services, Impact Lending, Social Impact Investment Solutions, Finance, Regulatory and Liquidity.

• External: legal and accounting professionals, auditors and regulators.

Key Accountabilities

Credit Portfolio and Risk Management

• Monitor and maintain loan portfolio data, ensuring accuracy, month-end reconciliation, and data integrity.

• Develop and maintain credit scoring models, stress testing, impairment models (e.g., IFRS9, ICAAP), and risk assessment tools.

• Identify early warning indicators in credit portfolios and recommend risk mitigation strategies.

• Ensure compliance with regulatory requirements (e.g., Basel 3.1, PRA) and Treating Customers Fairly (TCF) principles.

Data Analysis and Reporting

• Compile, validate, and analyse portfolio and financial data to support reporting and audits.

• Produce monthly, quarterly, and regulatory returns (e.g., PRA Loan Book Data returns).

Use advanced analytics and automation tools (SQL, Python, Power BI, Tableau) for data analysis, reporting and automation.

Model Governance and Process Improvement

• Maintain, review, and enhance credit and impairment models, ensuring robust documentation and controls.

• Contribute to process efficiencies and improvements within lending end-to-end journey and data quality.

Collaboration and Stakeholder Engagement

• Work cross-functionally with finance, IT, Risk and Compliance, and Marketing teams to resolve data issues and optimise risk management tools.

• Manage administration of credit committees, including arranging meetings, preparing packs and taking minutes.

• Represent Credit in internal and external meetings

• Support Credit on ad hoc strategic and analytical projects.

• Support Credit in developing effective practical uses for artificial intelligence.

Person Profile

Experience

Essential:

• Minimum 3 years’ experience in financial services, banking, or credit department.

• Experience in credit risk management and portfolio management and analysis including early warning identification and risk mitigation.

• Experience in data analysis, modelling and reporting.

• Use of advanced analytics and automation tools such as SQL, Python, Power BI and Tableau.

• Data validation, reconciliation, and reporting for audits and regulatory reporting.

Desirable:

• Experience with UK charities, social sector or voluntary sector organisations.

• Development and application of credit scoring models and risk assessment tools.

• Experience in end-to-end project delivery.

• Understanding of UK bank regulation and reporting (such as Basel 3.1, PRA returns, IFRS9).

• Familiarity with software engineering practices including version control (git) and automated testing

• Experience with modern data platforms (Databricks, Snowflake, or similar)

Attainments

Essential:

• Strong academic background, educated to A Level standard with good GCSE passes in Maths and English.

• Advanced Excel skills and proficiency in MS Office applications.