Senior Credit Risk Analyst

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hertfordshire / £50000 - £60000 annum

INFO

Salary

SALARY:

£50000 - £60000

Location

LOCATION

hertfordshire

Job Type
JOB TYPE

Permanent

Senior Credit Risk Analyst
Hertfordshire (2 days)
£50,000 - £60,000

This is an excellent opportunity for a Senior Credit Risk Analyst to join a growing credit risk function where you can make a genuine impact across customer acquisition, credit strategy, portfolio performance, and risk optimisation. The role offers broad exposure, significant ownership, and the chance to help shape the future direction of a developing team.

The Company
They are a well-established financial services organisation operating within a regulated lending environment. Combining the stability of a larger group with the agility of a specialist team, they offer a collaborative and supportive culture where employees can make a visible impact. Following recent growth within their Credit Risk function, they are continuing to invest in data-driven decision making and risk strategy. This role offers the opportunity to contribute to key business decisions while developing your expertise across multiple areas of credit risk.

The Role
  • Optimise customer acquisition and onboarding strategies using bureau data and credit risk insights
  • Enhance and refine credit decisioning and affordability assessments
  • Implement and improve scorecard-driven credit strategies
  • Monitor portfolio performance and identify opportunities to improve risk outcomes
  • Support IFRS9 and broader credit risk activities
  • Produce management information, reporting, and analytical recommendations for senior stakeholders
  • Collaborate with teams across credit, operations, compliance, and risk
  • Lead analytical projects designed to improve customer outcomes and portfolio performance

Your Skills & Experience
  • Strong commercial experience within Credit Risk Analytics or Credit Strategy
  • Experience working on acquisition, onboarding, or customer decisioning strategies
  • Hands-on experience using credit bureau data to support lending decisions
  • Exposure to credit scorecards and strategy implementation
  • Strong SQL skills
  • Experience analysing large datasets and translating findings into business recommendations
  • Excellent communication and stakeholder management skills

Desirable:
  • SAS, Python, or Power BI experience
  • Exposure to IFRS9, affordability, or portfolio analytics

What They Offer
  • Salary of £50,000 - £60,000
  • Hybrid working with 2 days per week in the office
  • Broad exposure across multiple areas of credit risk
  • Opportunity to develop a specialist area of expertise while maintaining varied responsibilities
  • Clear career progression within a growing credit risk function
  • Supportive and collaborative team environment

CONTACT

Rosie Walsh

Business Manager

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