Technical Analyst - Credit Underwriting

Nottingham Trent House (95002), United Kingdom, Nottingham, Nottinghamshire

Technical Analyst - Credit Underwriting

About This Role

Our Underwriting team ensures we make the right decisions for our customers looking to access credit. We are looking for a pragmatist who bridges the gap between technical data work and business strategy, focussing on cash flow models used to estimate the value of new lending. You will use your Python skills to automate workflows, clean data, and build reusable tools that empower our analysts to make faster, better lending decisions.

What you’ll do

• Enable Analysts: Translate complex data and analytical requirements into clean, reusable Python code to help our analysts reach informed strategy decisions.
• Automate & Optimise: Develop, build, and maintain functions and tools to improve the workflow for analysts, including improving existing processes and creating new solutions.
• Bridge the Gap: You understand the why behind the code and are able to communicate complicated technical solutions to stakeholders.
• Maintain Quality: Ensure the tools and datasets the business relies on are documented, reliable, and easy to understand.

Commercial Focus: Partner with stakeholders to trade off perfect engineering for high-value business delivery.

What we’re looking for

• You are interested in understanding how credit underwriting models work and how they are used by the business.
• You are comfortable writing Python for data analysis and modelling (e.g. Pandas, Polars, LightGBM, Scikit learn); you know how to pull data from databases and manipulate it to get answers.
• You care about writing code that is readable, reusable and well documented.
• You’re familiar with the tools you’ll use to make development efficient e.g. git, unit testing frameworks or code linters.
  
  

We are committed to creating a level playing field and seek to create teams that are representative of our customers and the communities we serve. We’d love to hear from you if you identify with a typically under-represented group in our industry and are particularly keen to hear from women, the LGBTQ+ community and ethnic minority candidates.

Where and how you'll work

This is a permanent position based in our Nottingham office.

We have a hybrid working model, so you’ll be based in our office 3 days a week on Tuesdays, Wednesdays and Thursdays, and can work from home on Monday and Friday.

Many of our associates have flexible working arrangements, and we're open to talking about an arrangement that works for you.

What’s in it for you

• Bring us all this - and you’ll be well rewarded with a role contributing to the roadmap of an organisation committed to transformation
• We offer high performers strong and diverse career progression, investing heavily in developing great people through our Capital One University training programmes (and appropriate external providers)
• Immediate access to our core benefits including pension scheme, bonus, generous holiday entitlement and private medical insurance – with flexible benefits available including season-ticket loans, cycle to work scheme and enhanced parental leave
• Open-plan workspaces and accessible facilities designed to inspire and support you. Our Nottingham head-office has a fully-serviced gym, subsidised restaurant, mindfulness and music rooms
  
  

What You Should Know About How We Recruit

We pride ourselves on hiring the best people, not the same people. Building diverse and inclusive teams is the right thing to do and the smart thing to do. We want to work with top talent: whoever you are, whatever you look like, wherever you come from. We know it’s about what you do, not just what you say. That’s why we make our recruitment process fair and accessible. And we offer benefits that attract people at all ages and stages.

We Also Partner With Organisations Including The Women In Finance And Race At Work Charters, Stonewall And UpReach To Find People From Every Walk Of Life And Help Them Thrive With Us. We Have a Whole Host Of Internal Networks And Support Groups You Could Be Involved In, To Name a Few

• REACH – Race Equality and Culture Heritage group focuses on representation, retention and engagement for associates from minority ethnic groups and allies

OutFront – to provide LGBTQ+ support for all associates

Mind Your Mind – signposting support and promoting positive mental wellbeing for all

Women in Tech – promoting an inclusive environment in tech

EmpowHER - network of female associates and allies focusing on developing future leaders, particularly for female talent in our industry

Capital One is committed to diversity in the workplace.

If you require a reasonable adjustment, please contact ukrecruitment@capitalone.com All information will be kept confidential and will only be used for the purpose of applying a reasonable adjustment.

For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

Who We Are

At Capital One, we're building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.

Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.