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This role plays a critical part in ensuring that the Group's Lending policy and strategy are accurately interpreted and applied across the Retail lending products.

The Senior Analyst - Impairment plays a vital role in shaping the organisation's understanding of its credit risk by developing and implementing analytical solutions that uphold both IFRS9 impairment requirements. This position not only delivers accurate impairment calculations and regulatory reporting but also provides clear and insightful explanations behind the results. By translating complex analytical outcomes into accessible insights, the role supports senior committees, executives and external auditors in making confident, informed decisions. Operating across a diverse range of portfolios, the Senior Analyst produces high-quality analysis that informs impairment provisions, supports judgement-based decision making and enhances understanding of the credit cost of lending across business areas. Bringing experience from credit risk, financial services or related analytical environments, the role holder combines technical expertise in IFRS9, with strong skills in SAS, SQL, Python and advanced Excel. They apply statistical validation, challenge assumptions and identify trends or anomalies, ensuring robust governance and reliable outputs. Inclusive communication is essential, enabling the role holder to tailor complex concepts to different audiences and encourage positive collaboration across multidisciplinary teams. Location : We operate on a team led hybrid approach - 1 day a week (Wednesday) across the Coventry and Manchester offices About you Success in this role requires curiosity, adaptability and a commitment to continuous learning. The Senior Analyst builds strong working relationships contributing to an open, collaborative and respectful environment where every viewpoint is valued. For this role you'll need to have: Detailed understanding of IFRS9 impairment provision methodologies and calculations. Experience of reporting on IFRS9 model outputs (PD, EAD and LGD) Advanced skills in the use of SQL, Python or SAS including SAS Macros, SAS Enterprise Miner Highly proficient in Excel, and experience of creating insightful reports. Experience of writing detailed governance documents, committee reports and presenting to senior management. Education emphasis on a numerate discipline (ideally, statistics, finance or mathematics related) is necessary, or demonstrable equivalent skills through experience. Experience in these areas would be helpful: An understanding of the relevant Credit Risk Regulations with respect to credit risk capital requirements and how they are calculated under both IRB and Standardised Approaches Understanding of wider Credit Risk strategy, scorecards and decisioning systems would be highly beneficial Knowledge of regulatory initiatives and the direction of travel in relations to capital regulations About us In 2025, Coventry Building Society purchased The Co-operative Bank. Bringing together our purpose-led building society with the UK's original ethical bank was the start of an exciting journey. Trusted by over four million people, we're a mutually owned business free from shareholders, and with our combined experience of almost 300 years, our ethics and dedication will continue to guide us. Together, we have shared values and an ethical approach towards our members, customers and colleagues. We're officially recognised as a 'Great Place to Work' and our benefits go beyond basic pay, with a discretionary bonus scheme, a culture of reward and recognition and comprehensive support for wellbeing. We're serious about equality, of race, age, faith, disability, and sexual orientation and we celebrate diversity. By working together, we know you'll build more than just a career with us. Flexibility and why it matters We understand the need for flexibility, so wherever possible, we'll consider alternative working patterns.Have a chat with us before you apply to see what the possibilities are for this role. Proud to be a Disability Confident Committed Employer We're proud to offer an interview or assessment to every disabled applicant who meet the minimum criteria for our vacancies. As part of the application process, disabled applicants can opt in for the Disability Confident Interview Scheme. If there are ever occasions where it is not practicable to interview all candidates that meet the essential criteria, such as when we receive a high number of applications, we commit to interviewing disabled candidates who best meet the minimum essential and desirable criteria. Location Coventry TPBN1_UKTJ

As a Senior Credit Risk Analyst, you'll play a key role in shaping the future of our lending portfolios. Develop expert understanding of new business originations and in-life credit risk management, including all aspects of credit decisioning and customer journeys. You’ll be at the forefront of cr

A leading specialist bank is seeking two Senior Credit Risk Analysts for a high-impact project in Manchester with a focus on consumer and commercial lending. Candidates should have substantial experience in Credit Risk within Financial Services, confidently use coding tools like SAS and SQL, and be

A leading financial consultancy is seeking a hybrid Credit Risk Analyst for a 9-month fixed term contract in the UK. Applicants must possess UK Credit Risk Analytics experience and strong coding skills, preferably in SAS or Business Objects. The role involves monitoring credit risk performance, anal

We're looking for an experienced Credit Risk Analyst to join our ever evolving credit risk team and help us unleash the potential of every business. As a Credit Analyst, you will be responsible for conducting credit risk assessments on existing merchants. The Credit Risk team sit within our Risk fun

A growing specialist bank at the forefront of consumer and commercial lending is looking for two Senior Credit Risk Analysts to join their Credit Acquisitions team on a project-focused 9-month FTC. These are hands‑on analytical roles sitting within the acquisition credit risk function, working acr

A leading payment solutions provider is seeking an experienced Credit Risk Analyst to join their credit risk team in Manchester. You will be responsible for conducting credit risk assessments, analyzing financial data, and making informed decisions to minimize risk exposure. The ideal candidate will

Use statistical models and advanced data analytics techniques to deliver actionable insights into portfolio performance, risk exposure and credit quality, presenting clear findings and recommendations to senior management and key stakeholders to inform strategic decisions and drive performance impro

A financial services firm is seeking a Credit Risk Analyst in London. This role involves analyzing credit portfolios, developing risk models using Python and SQL, and ensuring compliance with regulations. The ideal candidate has strong experience in Python and SQL, a solid understanding of credit ri

A leading London based bunker supplier is seeking an experienced Senior Credit Analyst to provide credit risk recommendations, analyze debts, and support business development. The role requires a Bachelor’s degree and a minimum of 5 years in credit risk analysis, ideally within the shipping indust

A leading institutional investor is looking to hire an experienced Credit Risk & Ratings Analyst into its second-line risk function. This is a high-impact role focused on independent credit analysis, portfolio oversight, internal ratings, and credit risk modelling across illiquid assets, with a part

Credit Risk Analyst – Python & SQL – London. We are seeking a Credit Risk Analyst to join our dynamic team in London. You will leverage Python and SQL to analyse credit data, build risk models, and deliver actionable insights while ensuring compliance with relevant regulations.

A global financial services firm in London is looking for a Portfolio Monitoring Associate.This role involves working with front office teams to execute loan documentation and monitor loan portfolio performance.Candidates should have 4+ years of experience in origination, structuring, loan monitorin

A Graduate Credit Risk Analyst is required to learn to perform daily credit risk management tasks, and to develop and maintain a thorough understanding of risks associated with crude trading as well as shipping trading. He or she will perform credit risk management functions under supervision of Ris

This role offers opportunities to enhance credit risk policies and work in a dynamic environment. A financial services provider in the Greater London area seeks a candidate to take ownership of credit analysis for its client base. Responsibilities include conducting in-depth client assessments, prod

This role involves supporting the Credit team by analysing counterparty credit risk, preparing credit analyses, and monitoring exposures. A leading energy trading firm is seeking a talented Credit Risk Analyst to join their London-based team. The ideal candidate has at least 2 years of experience in

You’ll manage commercial customer credit risk, set limits, monitor exposure, and partner with Finance, Legal, and Sales to balance growth with risk control. Looking for a credit risk professional to work at group level in a large corporate business. Apply now if you’re ready to make your credit

A financial services firm in the UK seeks a skilled Risk Analyst to manage counterparty credit risk, liquidity risk, and market risk. The successful candidate will develop internal credit rating models, assess creditworthiness, and monitor FX forward exposure. With at least 5 years of experience and

A recruitment agency is seeking a Mandarin speaking Graduate Credit Risk Analyst to manage daily credit risk tasks related to crude and shipping trading.

A financial services firm in the United Kingdom is seeking to enhance its credit and counterparty risk capabilities through a role focused on credit analysis, portfolio monitoring, and data-led insights. Responsibilities include leading client assessments, producing credit exposure reports, and auto

A leading financial analytics firm in London is seeking a Credit Risk Analyst with expertise in Python and SQL to join their dynamic team. The successful candidate will analyze credit portfolios, develop risk models, and ensure compliance with financial regulations. Required qualifications include a

A global financial institution is seeking a Corporate Credit Risk Analyst to support safeguarding the bank's solvency while enabling opportunities. Ideal candidates have a degree in relevant fields, professional proficiency in English, and a solid understanding of credit risk principles. The role in

The team is responsible for managing all aspects of the credit risk life-cycle, including researching and analysing counterparties, assessing credit exposure arising from new or legacy transactions, modelling potential future exposure (PFE), negotiating and structuring credit support arrangements, p

As a Corporate Credit Risk Analyst, your mission is to support the team in safeguarding the bank's solvency while enabling business opportunities. Risk CIB UK is the strategic unit responsible for managing credit risk for BBVA’s UK Branch. Previous experience in Credit Risk Underwriting would be a

A leading global energy company in London is seeking a Credit Risk Analyst to support the credit management of a diverse energy portfolio. Responsibilities include preparing credit analyses, managing documentation, and monitoring compliance with credit policies.

This role is critical in supporting the Senior Credit Manager with effective loan processing and compliance measures. Responsibilities include assessing creditworthiness, ensuring compliance with regulations, and providing recommendations on loan applications.

If that is you, then join us and work closely with the Director for Credit Risk Management and the VP of Credit. Support data‑driven decision making within the credit risk domain. While a strong foundation in credit risk is essential, you’ll bring hands‑on coding expertise to directly work wit

This role involves assessing credit risks, structuring credit products, and preparing credit submissions. A leading financial services firm is seeking a Senior Corporate Credit Analyst to join their team in London.

A diversified financial services platform in Greater London seeks a Credit Analyst to oversee credit analysis and recommendations for clients.

A global financial institution is looking for a Corporate Credit Risk Analyst in London. The role involves supporting credit risk management by developing credit assessments, analyzing financial health of corporations, and engaging with stakeholders. Candidates should have a degree in relevant field

Collaborate with other departments such as sales, marketing, finance, and legal to ensure compliance with credit policies, resolve credit‑related issues, and provide guidance on credit risk matters. Monitor the credit portfolios to identify and assess any changes in credit risk exposure, tracking

A leading recruitment agency seeks a credit risk professional to oversee commercial customer credit risk in the United Kingdom. This role focuses on managing a high-volume, complex portfolio while collaborating with Finance, Legal, and Sales departments to ensure a balance between growth and risk co

A leading insurance company seeks a Senior Credit Analyst in London to evaluate buyer risks and contribute to the strategic development of the credit portfolio. This role demands strong financial analysis skills and experience in credit assessment, particularly in the trade credit or related financi

In this role, you’ll partner closely with the Credit Risk Model Owner and Analytics Manager to oversee the full lifecycle of our credit risk models—ranging from scorecards to IFRS9/ECL models—and to ensure our credit analytics and portfolio insights are accurate, robust, and ready to guide sen

Role purpose: Strengthen the Group's credit/counterparty risk capability through consistent credit analysis, portfolio monitoring, and data-led MI, supporting robust limit governance and forward-looking insight across entities. Credit analysis & reviews: lead counterparty/client assessments; maintai

A leading institutional investor is looking to hire an experienced Credit Risk & Ratings Analyst into its second-line risk function. This is a high-impact role focused on independent credit analysis, portfolio oversight, internal ratings, and credit risk modelling across illiquid assets, with a part

As Credit Risk Analyst – SME (d/f/m), you will be responsible for building and optimizing automated credit strategies for small and medium‑sized enterprises (‘SME’). Credit strategy: Design, develop, test and calibrate automated credit risk strategies and continuously improve them based on e

The role includes conducting credit analysis and reviews, monitoring exposures and limits, and building automated credit dashboards. A leading financial services company in Greater London is seeking a professional to strengthen their credit and counterparty risk capability. The ideal candidate will

This role is being advertised on behalf of a client seeking a talented Credit Risk Analyst to join their London based team. Support the Credit team in analysing and monitoring counterparty credit risk across a diverse energy portfolio. Monitor credit exposures, escalate breaches, and produce detaile

A Successful Credit Risk Analyst Should Have. If you are a dedicated professional ready to take on this exciting Credit Risk Analyst role, we encourage you to apply today. Minimum of 2 years experience in credit risk or counterparty credit within capital markets.

A financial services company in Greater London is looking for a professional experienced in risk management, specifically in stress testing within a Treasury function. This role entails producing reports, monitoring trade activities, and managing risk appetite. Candidates should be proactive in risk

A leading financial technology company in London is looking for a Credit Analyst to join its Data Team. The role emphasizes improving credit underwriting and developing innovative lending strategies.

A global financial services company seeks a Credit Analyst to perform credit analysis for clients, ensuring a comprehensive understanding of their business and risk assessment.

A European fintech company based in London is looking for a Credit Risk Analyst to develop automated credit strategies for small and medium-sized enterprises. This role requires strong expertise in SQL and Python, as well as a solid understanding of credit risk strategies.