A bit about you…

You are an experienced credit risk professional with a strong background in consumer lending and a proven ability to develop and optimise credit strategies.

You are comfortable owning complex analytical frameworks and translating data into clear, actionable insight. You are confident engaging with senior stakeholders, able to challenge constructively and influence decision-making.

You take a structured, pragmatic approach to delivery, with strong attention to detail and the ability to communicate complex analysis clearly.

What we offer…

As well as a competitive annual salary of up to £55,000, we offer:

• Free parking within the Business Park, and a company pension with Scottish Widows
  • A Continuous Learning Programme to support your development
  • An employee assistance programme, financial wellbeing support, and access to discounts with leading high street names
  • A collaborative, supportive working environment within a growing specialist lender
  • Direct involvement in governance and strategic risk management, with visibility at ExCo and Board level

Responsibilities

Credit Strategy, Decisioning and Model Ownership

• Own the design and optimisation of the credit decision engine, including underwriting rules, policy parameters, and acceptance criteria
• Develop and maintain scorecards and affordability models to support responsible and commercially effective lending
• Ensure all strategies align with risk appetite, regulatory requirements (including CONC), and customer outcome expectations
• Operate structured test-and-learn approaches to continuously improve performance

Portfolio Monitoring and Performance Insight

• Monitor portfolio and arrears performance, identifying emerging risks, opportunities, trends, and recommendations for corrective action
  • Produce and develop MI and insight packs for SMT and Credit Risk Committee
• Support the development of collections, account management, and arrears strategies through behavioural modelling and segmentation
• Translate complex analysis into clear, actionable business recommendations

Data, Analytics and Innovation

• Analyse data from Credit Reference Agencies and other internal and external sources to enhance risk assessment and decisioning capability
  • Identify and evaluate new data sources and industry innovations (e.g. open banking, alternative credit data, expenditure modelling techniques)
  • Develop advanced analytical approaches to improve credit scoring, affordability assessment, and customer segmentation
  • Contribute to the ongoing development of Credit Risk capability and analytical approaches

Requirements

We are looking for an experienced Senior Credit Risk Analyst with a background in consumer lending who brings a strong technical capability and a proven ability to own and develop credit risk strategies.

Experience

• Experience in credit risk analytics within a consumer credit environment
  • Proven experience in decision engine optimisation and credit strategy development
  • Strong track record in scorecard development and monitoring
  • Experience in portfolio monitoring, arrears analysis, and performance reporting
  • Experience presenting insight to senior stakeholders

Knowledge

• Good understanding of FCA regulatory requirements, particularly CONC and responsible lending
  • Knowledge of credit risk modelling techniques and analytical approaches
  • Awareness of industry developments, including alternative data and affordability assessment methods

Technical Skills

• Strong analytical and numeracy skills
• Advanced Excel capability
• Ability to manipulate and analyse large datasets and build robust models
• Experience developing MI and reporting dashboards

Competencies

• Customer focus and commitment to fair outcomes
  • Strong commercial awareness
  • Analytical and problem-solving skills
  • Clear communication and ability to influence stakeholders
  • Organised and delivery-focused approach
  • Collaborative and team-oriented mindset

Applicants must be located and eligible to work in the UK without sponsorship.

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