Senior Credit Risk Analyst

The Senior Credit Risk Analyst will be responsible for analytics across the wider Credit Risk team, supporting full customer lifecycle oversight across Personal Loans, Motor Finance, 1st and 2nd Charge Mortgages and Green Lending. The role involves designing, reviewing and optimising credit risk strategies, managing the ongoing performance of application scorecards, and producing clear MI and analysis. The successful candidate will have strong experience in credit risk strategy or decisioning analytics within a banking or consumer lending environment, and proficiency in SQL, SAS and Excel.

Requirements

• Strong experience in credit risk strategy or decisioning analytics within a banking or consumer lending environment.
• Proficiency in SQL, SAS and Excel (Advanced) with a credit risk modelling and scorecard environment.
• Hands-on experience managing or using application scorecards and credit decision frameworks.
• Strong analytical capability, with the ability to translate complex analysis into clear strategic recommendations.
• Experience producing high-quality MI and presentations for senior stakeholders and governance forums.
• Good understanding of the end-to-end credit lifecycle, particularly the front-book / applications stage.
• Exposure to model development techniques (e.g. logistic regression, machine learning models) and model governance processes.
• Experience using Python
• Experience working with decisioning platforms and strategy deployment tools.
• Familiarity with UK regulatory expectations relevant to retail credit (e.g. risk appetite, Consumer Duty, model risk governance).
• Experience across multiple lending products (e.g. motor finance, personal loans, mortgages).

Benefits

• 25 days annual leave plus 8 days Bank Holiday
• An additional day off for a 'celebration day' including, but not limited to, birthdays, weddings, religious holidays, graduations etc
• Buy or sell up to 5 days holiday a year
• Healthcare cash plan through Westfield Health
• Life Assurance at 3 x salary
• Electric Vehicle salary sacrifice scheme
• Cycle to Work salary sacrifice scheme and a free helmet
• Salary sacrifice Pension contribution*
• Smart Tech scheme (buy goods with 0% interest)
• 10% discount on solar panels
• Tandem Hub for treats, cash back and discounts on UK retailers
• 2 days per year paid volunteering
• Free cereal, snacks and drinks in all offices
• Quarterly team social budgets