LEAD CREDIT RISK ANALYST

£65,000 - £70,000 | Cardiff

Join a growing lending business at an exciting stage of its evolution, where you'll have the opportunity to shape credit strategy within a fast-growing portfolio. This is a highly visible role offering direct exposure to senior stakeholders, significant ownership, and the chance to make a tangible impact on customer outcomes, portfolio performance, and business growth.

THE COMPANY

This established financial services business is continuing to invest in and expand its consumer lending products. Operating within a collaborative and data-driven environment, the business combines the stability of a well-established organisation with the agility and pace of a growing lending portfolio.

As part of a wider transformation programme, the company is enhancing its decisioning capabilities, refining its credit strategies, and investing heavily in automation. This role offers the opportunity to play a key part in that journey.

THE ROLE

• Analyse approval, referral, arrears and default trends to identify key performance drivers and emerging risks
• Develop and optimise credit risk strategies to support sustainable portfolio growth
• Identify opportunities to improve automated decisioning processes and reduce manual referrals
• Review and enhance lending policies, underwriting controls and scorecard cut-offs
• Partner with Product, Underwriting, Commercial and Decisioning teams to influence business decisions
• Monitor the performance of strategy changes and provide recommendations for continuous improvement
• Present data-driven insights and recommendations to both technical and non-technical stakeholders
• Play a key role in a major transformation programme focused on improving customer outcomes and operational efficiency

YOUR SKILLS AND EXPERIENCE

• Strong commercial experience within Credit Risk Strategy
• Experience within motor finance, consumer lending, personal loans or a similar lending environment
• Experience improving acceptance strategies, lending limits, underwriting controls and decisioning rules
• Advanced SQL skills
• Strong analytical skills with the ability to translate data into actionable business recommendations
• Excellent stakeholder management and communication skills
• Experience presenting insights to senior audiences
• Python experience is advantageous but not essential
• UK lending experience is required
• Previous scorecard modelling experience would also be beneficial

SALARY AND BENEFITS

• £65,000 - £70,000 base salary
• Annual bonus
• Hybrid working with Cardiff office attendance once or twice per week
• Sponsorship available for the right candidate
• Pension scheme
• Dedicated training and development budget
• Book purchasing scheme
• Regular team socials and collaborative working environment
• Strong opportunities for career development and progression

HOW TO APPLY

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