Lead Credit Risk Analyst

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Cardiff / £65000 - £70000 annum

INFO

Salary

SALARY:

£65000 - £70000

Location

LOCATION

Cardiff

Job Type
JOB TYPE

Permanent

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.

CONTACT

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