Lead Credit Risk Analyst

Cardiff

£60,000 - £70,000

This is an opportunity to join a growing lending business at a pivotal stage of its journey. You'll play a key role in shaping credit strategy, improving automated decisioning, and influencing business-critical lending decisions, all within a collaborative environment where your ideas and recommendations will have real impact.

The Company

They are an established UK consumer lending organisation with a strong data-driven culture and a focus on delivering fair customer outcomes. The business combines the stability of a successful financial services group with the agility of a growing lending function. With continued investment in technology, analytics, and decisioning capabilities, they offer an environment where innovation and continuous improvement are actively encouraged.

The Role

• Analysing approval, referral, arrears, and default trends to identify risks and performance opportunities
• Developing data-driven recommendations to improve credit strategies and business performance
• Enhancing automated decisioning processes and increasing operational efficiency
• Reviewing and optimising lending policies, scorecard cut-offs, and underwriting controls
• Monitoring the effectiveness of strategy changes and balancing growth, risk, and customer outcomes
• Producing management information, analysis, and insights for key stakeholders
• Working closely with Product, Underwriting, Commercial, and Decisioning teams to deliver strategic initiatives
• Supporting the implementation of strategy changes within decisioning systems

Your Skills & Experience

• Strong commercial experience in credit risk strategy within consumer lending
• Experience optimising acceptance strategies, lending limits, underwriting policies, or scorecard performance
• Strong analytical skills with SQL
• Python experience is advantageous
• Experience turning complex data into clear, actionable recommendations
• Excellent communication and stakeholder management skills
• Ability to influence decisions across both technical and non-technical audiences
• A commercial mindset with a strong understanding of risk management principles

What They Offer

• £60,000 - £70,000 base salary, with flexibility for exceptional candidates
• Annual bonus
• Dedicated training and development support
• Collaborative culture with direct access to senior stakeholders and decision-makers
• Team socials and networking opportunities
• Strong opportunities for career progression as the business continues to grow
• Comprehensive benefits package