Lead Credit Risk Analyst 198500
1 day ago
Leicester
Lead Credit Risk Analyst Leicester (Hybrid, 1-2 days per week) | Up to £65,000 Are you a Credit Risk Analyst looking to take ownership of lending strategy within a large-scale consumer credit environment? This is an opportunity to join a highly established organisation with a significant lending portfolio, where you'll influence customer credit decisions, optimise commercial performance, and shape strategy through data-driven insights. The Company This organisation is a market-leading consumer business with a substantial financial services function supporting millions of customers. They operate a large-scale credit portfolio and use advanced analytics to drive responsible lending decisions and enhance customer outcomes. With continued investment in data and analytics, they offer a collaborative environment where analytical talent plays a central role in business decision-making. Based in Leicester, they offer a flexible hybrid working model. The Role As a Lead Credit Risk Analyst, you will sit within the existing customer strategy team, focusing on the ongoing management and optimisation of customer lending decisions. Responsibilities include: • Developing and enhancing credit risk strategies for existing customers, • Analysing customer behaviour, spending patterns, and portfolio performance to identify opportunities and risks, • Making recommendations around credit limits, pricing, affordability, and interest rate strategies, • Designing and evaluating strategy changes through detailed analytical investigations, • Delivering insights and recommendations to stakeholders across risk and commercial functions, • Using data to balance customer outcomes, portfolio performance, and business growth, • Supporting the implementation and monitoring of lending strategies across the customer lifecycle Your Skills & Experience • Strong commercial experience within retail credit risk, consumer lending, or financial services, • Experience developing, influencing, or optimising credit risk strategies, • Background in existing customer, in-life, affordability, credit limit, pricing, or portfolio strategy analytics, • Advanced SQL skills for data extraction and analysis, • Experience with SAS and/or Python, • Strong analytical and problem-solving capabilities, • Ability to communicate complex findings clearly to both technical and non-technical stakeholders, • Experience working with large customer datasets and translating insights into business action What They Offer • Opportunity to lead impactful credit risk strategy initiatives, • Exposure to a large and sophisticated consumer lending portfolio, • Strong career development opportunities within an established analytics function, • Collaborative environment with access to experienced credit risk professionals How to Apply If you're an experienced Credit Risk Analyst looking to move into a highly visible strategy-focused role, please apply with your CV to discuss the opportunity in more detail.