Lead Credit Risk Analyst

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Cardiff / £60000 - £70000 annum

INFO

Salary

SALARY:

£60000 - £70000

Location

LOCATION

Cardiff

Job Type
JOB TYPE

Permanent

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

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