Senior Credit Risk Analyst

SENIOR CREDIT RISK ANALYST

BIRMINGHAM | UP TO £57,000 + BONUS + BENEFITS

This is an exciting opportunity to join a fast-growing consumer finance business in a highly visible credit risk role. You will play a key part in shaping credit strategy for a major new lending proposition, working with large-scale datasets and helping drive commercial growth while maintaining strong risk performance.

THE COMPANY

They are a well-established consumer finance lender operating in a fast-paced, technology-driven environment. Combining the agility of a FinTech with the stability and resources of a larger financial services group, they continue to invest heavily in their credit analytics and decisioning capabilities.

The business is launching a significant new lending partnership, creating a unique opportunity to influence strategy from an early stage and work with a wide range of internal, external, and alternative data sources.

THE ROLE

• Develop and optimise acquisition and customer management credit strategies


• Design and implement policy rules, credit limits, pricing strategies, and affordability frameworks


• Utilise bureau, internal, and alternative data sources to drive lending decisions


• Monitor portfolio performance and identify opportunities to enhance strategy effectiveness


• Present recommendations and strategy changes to senior stakeholders and governance forums


• Support onboarding strategy development for new lending propositions


• Balance commercial growth objectives with regulatory and consumer duty requirements


• Assess the impact of economic and market trends on portfolio performance

• Strong experience within consumer lending credit risk, credit strategy, or risk analytics


• Experience developing acquisition, underwriting, or customer management strategies


• Knowledge of credit policy rules, scorecards, pricing, limits, or affordability modelling


• Strong SQL, SAS, or Python skills


• Ability to work with large datasets and translate analysis into commercial recommendations


• Excellent stakeholder management and communication skills


• Understanding of credit bureau data and the wider credit lifecycle


• Experience within unsecured lending, retail finance, consumer finance, loans, or cards is advantageous

• Salary up to £57,000 depending on experience


• Annual bonus scheme


• Competitive benefits package


• Hybrid working arrangement


• Opportunity to work on a high-profile new lending proposition


• Exposure to senior stakeholders and risk committees


• Fast-paced environment where new ideas can quickly translate into strategy changes


• Strong learning and development opportunities within a collaborative team


• Clear progression pathways within a growing risk function

Please register your interest by sending your CV through the Apply link.

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