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

YOUR SKILLS & EXPERIENCE

* 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

WHAT THEY OFFER

* 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

HOW TO APPLY

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