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Secure Trust Bank PLC is seeking a Senior Capital and Stress Testing Analyst to drive ICAAP, Recovery Plan, and regulatory reporting. You will collaborate with Risk, Finance & Treasury, Internal Audit and senior stakeholders to ensure robust capital planning, forecasting and stress testing aligned with regulatory requirements. You will also contribute to the development of scenario forecasting, regulatory capital processes and capital optimisation initiatives, operating in a hybrid Solihull #J-18808-Ljbffr

We are looking for an ALM Analyst to support daily and ad hoc ALM requests as well as the regular weekly information used for asset and liability decisions across Institutional Retirement Finance. This is a hands‑on analytical role for someone who enjoys dependable delivery, can spot when numbers do not look right and wants to improve how reporting is produced. You do not need to be an actuary. We are open to candidates from finance, investments, insurance, pensions, operations or other data‑led environments. The role will be Cardiff based but will require travel to the London office a few times a month, this will be covered by the business • Running the regular weekly ALM MI process and responding accurately to daily or ad hoc ALM requests, • Checking outputs for reasonableness and escalating unusual or unexpected results, • Preparing concise analysis and commentary on key movements, • Supporting what-if analysis for trades, new assets, new PRT schemes and reinsurance activity, • Maintaining reporting controls, methodology and process documentation, • Troubleshooting data, model and process issues with senior support, • Contributing to automation and technology-enabled reporting improvements, • Communicating delivery status, risks and issues to relevant stakeholders, • Experience delivering recurring analytical, finance or reporting outputs to firm deadlines, • Strong Excel and data analysis skills, • Evidence of checking results for reasonableness and escalating issues, • A practical approach to troubleshooting and solving process problems, • Comfort working with code, models or automated workflows, • Clear communication with colleagues across different specialist teams, • Attention to detail, ownership and curiosity, • Interest in ALM, investments, risk, insurance or pensions, • The opportunity to participate in our annual, performance -related bonus plan and valuable share schemes, • Life assurance, • Healthcare Plan (permanent employees only), • At least 25 days holiday, plus public holidays, 26 days after 2 years' service. There’s also the option to buy and sell holiday, • Competitive family leave, • Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice (permanent employees only), • There are many discounts we offer - both for our own products and at a range of high street stores and online, • We’re creating net-zero carbon workplaces by 2030 by investing in our sustainable, modern offices across the UK, all designed to bring people together and elevate the in-person experience At L&G, we believe it's possible to generate positive returns today while helping to build a better future for all. If you join us, you'll be part of a welcoming, inclusive culture, with opportunities to collaborate with people of diverse backgrounds, views, and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel. We care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part-time and job shares. Although some roles have limited flexibility due to customer demand, we accommodate requests when we can. It doesn't matter if you don't meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose. #J-18808-Ljbffr

Harnham are working with a growing UK financial services business to recruit a Lead Credit Risk Analyst into their expanding credit strategy team. This is an excellent opportunity to play a key role in shaping the future of a developing lending product, with significant exposure to strategic decision-making and senior stakeholders. Harnham are working with a well-established UK lender that combines data, analytics, and technology to deliver consumer finance products. As part of a wider financial services group, the business offers the stability of an established brand alongside the opportunity to influence a growing lending portfolio. With continued investment in its credit capabilities, the company is focused on improving customer outcomes, operational efficiency, and risk management through data-driven decision making. This role sits within the Credit Strategy function and offers the chance to influence lending decisions, optimise credit performance, and support the ongoing development of a growing loan portfolio. You'll work closely with a range of stakeholders to develop strategies that balance growth, customer outcomes, and risk. Specifically, you can expect to be involved in: • Analysing portfolio performance, including approvals, referrals, arrears, and defaults., • Identifying opportunities to improve automation across the credit decisioning process., • Producing insight-led recommendations to enhance credit strategy and policy., • Collaborating with Product, Underwriting, and Commercial teams on strategic initiatives., • Monitoring and evaluating the impact of credit strategy changes. The successful Lead Credit Risk Analyst must have the following skills and experience: • Experience within Credit Risk Strategy in a consumer lending environment., • Strong analytical skills with the ability to translate data into actionable recommendations., • Experience working with lending policies, scorecards, decisioning rules, and underwriting strategies., • Advanced SQL skills, with Python considered advantageous., • Ability to communicate complex analytical findings to both technical and non-technical stakeholders. The successful Lead Credit Risk Analyst will receive a salary up to £70,000 and an annual bonus. #J-18808-Ljbffr

As a Customer Proposition Analyst, you will help shape and optimise products and services that meet customer needs and support business growth. Collaborating with cross-functional colleagues, you'll use customer insights, market research and commercial analysis to develop compelling customer propositions, pricing recommendations and value propositions. You'll play a key role in ensuring products are competitive, clearly positioned and aligned to target customer segments, helping to drive customer acquisition, retention and overall business performance. Your key tasks and responsibilities will include: • Supporting the design and development of customer propositions, products and services aligned to customer needs, market opportunities and business objectives., • Using customer insights, market intelligence and competitor analysis to inform proposition development and identify opportunities for improvement., • Analysing pricing data, market trends and competitor offerings to develop pricing recommendations that balance customer value and commercial performance., • Helping to create compelling value propositions, ensuring products are clearly positioned and effectively targeted to relevant customer segments., • Collaborating with colleagues across proposition, marketing, digital, finance, operations, risk and compliance teams to deliver new and enhanced propositions., • Supporting product launches by coordinating product build activities, platform configuration, testing, channel publishing and internal communications., • Monitoring proposition performance, analysing customer behaviour and sales data, and recommending enhancements to optimise results., • Providing insight and support for marketing campaigns, ensuring messaging is accurate, customer-focused and aligned to proposition objectives., • Maintaining high standards of governance, documentation and regulatory compliance, ensuring recommendations are evidence-based and focused on delivering good customer outcomes. To be successful in this role, you'll be someone who enjoys working with data and insights to understand what matters most to customers and turn those findings into meaningful improvements. You'll be an analytical and commercially aware thinker who is comfortable exploring trends, asking questions and making evidence-based recommendations. You'll enjoy collaborating with people from different teams and be able to communicate your ideas clearly and confidently. Above all, you'll be passionate about creating products and services that meet customer needs, deliver positive outcomes and make a real difference to our customers and communities. • Experience in a proposition, product, pricing, insight or analytical role., • Experience using customer insight and market data to support decision-making., • Experience within financial services or another regulated, customer-focused sector., • Experience in mortgage proposition development and product management. #J-18808-Ljbffr

We are looking for a Lead Credit Risk Analyst to join our Credit & Pricing Function. As a Lead Analyst in Risk Pricing, you will drive the development and delivery of robust risk pricing strategies and actionable portfolio insights. You will independently lead analytical workstreams, take accountability for the accuracy and performance of risk models (PD, fraud, death risk), and ensure portfolio performance is optimised against risk appetite. You will set standards for analytical excellence, influence strategic decision-making across the business, and mentor your team to deliver consistently strong results. This is a hybrid role with the expectation to be in our Cardiff Office at least once a month. • Own the development, validation, and ongoing performance of risk models (PD, fraud, death) using advanced statistical and ML techniques; ensure they remain fit-for-purpose and meet regulatory/governance standards, • Independently analyse portfolio performance and take accountability for identifying root causes of deviation from expected outcomes; communicate insights and drive corrective action, • Set analytical standards and best practices for the risk pricing team; enforce rigorous data quality, methodology, and documentation disciplines, • Make key decisions on model enhancements and simulation tool improvements (Nexus, Kairos); balance technical rigour with business ROI, • Drive cross-functional initiatives to strengthen risk pricing strategies, portfolio monitoring, and strategic pricing for new product/channel opportunities, • Influence and advise Line 2 risk, Finance, and SMT on financial risk management, loss performance, and risk appetite alignment, • Develop and coach analysts on advanced modelling techniques, problem-solving approaches, and career progression; hold team accountable to high analytical standards, • Establish and maintain relationships with external data providers and monitor external data quality and relevance Own the development, validation, and ongoing performance of risk models (PD, fraud, death) using advanced statistical and ML techniques; ensure they remain fit-for-purpose and meet regulatory/governance standards, • Risk models covering all material sources of loss (PD, fraud, death risk) with robust validation, backtesting, and audit trails, • Comprehensive model documentation meeting internal governance and external regulatory requirements, • Monthly portfolio performance analysing actual vs expected outcomes for all loss sources by risk segment, product, channel, and vintage; identifying strategic insights and business implications Recommendations and business cases for model enhancements, pricing adjustments, or portfolio interventions; track implementation and measure impact, Admiral Money is seeking a Lead Credit Risk Analyst to play a key role in managing and evolving the credit strategy of our Motor Finance portfolio. This is a broad, high-impact role in which you wiData Science experience with a strong track record of developing, validating and monitoring predictive models., • Python development experience with the ability to build, maintain and enhance analytical/model development solutions., • Expert-level SQL experience including extracting, transforming and analysing large, complex datasets., • Experience within lending products, specifically: Motor Finance, Homeowner Loans (Secured Lending) or Unsecured Personal Loans (UPL), • Strong experience developing and maintaining risk models (PD, fraud, credit risk or related models) using statistical and machine learning techniques., • Ability to analyse portfolio performance, identify root causes of trends, and make data-driven recommendations to improve commercial and risk outcomes., • Experience communicating analytical findings and influencing stakeholders across Risk, Finance and senior leadership teams., • Experience with Power BI and creating management information/reporting dashboards., • Experience using Git for version control and collaborative development., • Experience with simulation tools and pricing platforms (e.g. Nexus, Kairos or similar)., • Previous experience mentoring or coaching analysts and supporting team development., • Knowledge of external data sources such as credit reference agencies and third-party risk data providers., • Experience operating within regulated financial services environments with strong governance and model documentation standards. Admiral Money is an exciting and growing division within Admiral Group. We combine the pace and ambition of a growing lender with the backing and stability of a FTSE-listed business. Since launching unsecured personal loans in 2017, we have continued to grow and diversify, with Motor Finance and Mortgages added more recently. We are looking for people who are keen to learn, excited to get stuck in and ready to help us build something special for our customers. We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We're committed to fostering a people-first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service. • Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays)., • You also have the option to buy or sell up to an additional five days of annual leave., • Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service., • We are proud of our people-first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years!, • We're fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics., • Our fantastic benefits make sure our colleagues have a great work-life balance., • You can view some of our other key benefits here. #J-18808-Ljbffr

Admiral Money is an exciting and growing division within Admiral Group. We combine the pace and ambition of a growing lender with the backing and stability of a FTSE-listed business. Since launching unsecured personal loans in 2017, we have continued to grow and diversify, with Motor Finance and Mortgages added more recently. We are looking for people who are keen to learn, excited to get stuck in and ready to help us build something special for our customers. We are looking for a Lead Credit Risk Analyst to join our Credit & Pricing Function. As a Lead Analyst in Risk Pricing, you will drive the development and delivery of robust risk pricing strategies and actionable portfolio insights. You will independently lead analytical workstreams, take accountability for the accuracy and performance of risk models (PD, fraud, death risk), and ensure portfolio performance is optimised against risk appetite. You will set standards for analytical excellence, influence strategic decision-making across the business, and mentor your team to deliver consistently strong results. This is a hybrid role with the expectation to be in our Cardiff Office at least once a month. • Own the development, validation, and ongoing performance of risk models (PD, fraud, death) using advanced statistical and ML techniques; ensure they remain fit-for-purpose and meet regulatory/governance standards, • Independently analyse portfolio performance and take accountability for identifying root causes of deviation from expected outcomes; communicate insights and drive corrective action, • Set analytical standards and best practices for the risk pricing team; enforce rigorous data quality, methodology, and documentation disciplines, • Make key decisions on model enhancements and simulation tool improvements (Nexus, Kairos); balance technical rigour with business ROI, • Drive cross-functional initiatives to strengthen risk pricing strategies, portfolio monitoring, and strategic pricing for new product/channel opportunities, • Influence and advise Line 2 risk, Finance, and SMT on financial risk management, loss performance, and risk appetite alignment, • Develop and coach analysts on advanced modelling techniques, problem-solving approaches, and career progression; hold team accountable to high analytical standards, • Establish and maintain relationships with external data providers and monitor external data quality and relevance Own the development, validation, and ongoing performance of risk models (PD, fraud, death) using advanced statistical and ML techniques; ensure they remain fit-for-purpose and meet regulatory/governance standards, • Risk models covering all material sources of loss (PD, fraud, death risk) with robust validation, backtesting, and audit trails, • Comprehensive model documentation meeting internal governance and external regulatory requirements, • Monthly portfolio performance analysing actual vs expected outcomes for all loss sources by risk segment, product, channel, and vintage; identifying strategic insights and business implications Recommendations and business cases for model enhancements, pricing adjustments, or portfolio interventions; track implementation and measure impact, • Data Science experience with a strong track record of developing, validating and monitoring predictive models., • Python development experience with the ability to build, maintain and enhance analytical/model development solutions., • Expert-level SQL experience including extracting, transforming and analysing large, complex datasets., • Experience within lending products, specifically: Motor Finance, Homeowner Loans (Secured Lending) or Unsecured Personal Loans (UPL), • Strong experience developing and maintaining risk models (PD, fraud, credit risk or related models) using statistical and machine learning techniques., • Ability to analyse portfolio performance, identify root causes of trends, and make data-driven recommendations to improve commercial and risk outcomes., • Experience communicating analytical findings and influencing stakeholders across Risk, Finance and senior leadership teams., • Experience with Power BI and creating management information/reporting dashboards., • Experience using Git for version control and collaborative development., • Experience with simulation tools and pricing platforms (e.g. Nexus, Kairos or similar)., • Previous experience mentoring or coaching analysts and supporting team development., • Knowledge of external data sources such as credit reference agencies and third-party risk data providers., • Experience operating within regulated financial services environments with strong governance and model documentation standards. We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We’re committed to fostering a people-first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service. Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays). You also have the option to buy or sell up to an additional five days of annual leave. We’re proud of our people-first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics. Our fantastic benefits make sure our colleagues have a great work-life balance; You can view some of our other key benefits here. As a Disability Confident Leader, for candidates with a disability or long-term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process. If you need any adjustments or support with your application or during the recruitment process, just let us know. Please do email or contact us on . This number is dedicated to supporting candidates that require reasonable adjustments or support during the application process. #J-18808-Ljbffr

City: Cardiff Address: Cardiff, Wales, GB, NP10 8FZ Work Type: Permanent Job Function: Scientist Salary Range: £58,751.00-£71,972.00 Base: Ty Awen Closing Date: Wednesday 25th November 2026 - 23:59 Water security has never mattered more, and we are looking for a leader who thrives on responsibility, challenge and real-world impact. This role sits right at the intersection of science, strategy and operational decision‑making. You will work within a truly expert Water Resources team within a wider Catchment and Growth Planning group. The team brings together expertise in environmental planning, water resources and risk management to identify future challenges and operational and investment options to support major decision‑making across the business. You may have gaps in skills and experience, and we pride ourselves on developing our staff, whether it be in systems modelling, in which we are industry leading, or in leadership and management. • Oversee water resource operation for your geographic area and develop innovative thinking on water resources regionally, • Have the energy and enthusiasm to run a small expert Area Water Resource Team to ensure that operational management, asset planning and regulatory reporting of water resources are effectively undertaken. You will be resilient in the management of both team and personal workload in meeting goals often to tight timescales, while maintaining a strong working relationship with Managers across the water business, • Be a technical specialist with a strong knowledge of hydrology, water supply systems analysis and environmental regulation, you will deliver optimal water resource operational plans in line with statutory and regulatory requirements for the business. Your team will monitor the water resource situation throughout the year, assess water supply risk and communicate risk level to managers and directors throughout the year to guide thinking on the need for drought management escalation. You will be capable of the efficient assessment of complex water supply issues through data science, both by yourself and through team members and be able to clearly and concisely communicate advice on options available and recommend preferred best value solutions to executive level, • Providing guidance on daily/weekly production planning calls regarding water resource situation to ensure the cost optimal operation of Welsh Water’s water resources/production assets throughout the year reflecting current and potential seasonal hydrology, drought management rules and asset performance., • Advise operational managers on the preparation of water resource assets (dams, abstractions and raw water pumping stations etc) during the spring period to ensure availability of water supply during prolonged dry weather events. Maintain effective dry weather operating manuals to guide the business when moving into drought periods, • Be an effective member of the weekly Director led drought incident team when needed, where you will provide guidance and advice on courses of operational action and need for capital investment during drought periods. These commonly stand up between May and September, • You will support the development of regulatory submissions; Water Resource Management Plans, Drought Plans, annual reviews through your knowledge of the water supply systems in your area and your ability to analyse risk through system modelling, • Your team will provide expert advice to capital projects that impact on water resources (i.e. New asset development and Dam safety projects). You will support the delivery of the National Environment Programme investigations through your understanding of water abstractions and operations., • As a member of wider national water resource institutions and technical groups, you will take an innovative approach in developing improved ways of working and capable of implementing change across the regional water resources team as these methodologies are developed Essential Knowledge, Skills and Experience • A proven Water Resource Manager with extensive operational experience and ability to demonstrate a proven track record of success, • Significant experience in Water Resources and or Production Planning in operational and regulatory roles, • A degree or similar qualification in numerate earth science area, engineering, data science/mathematics, preferably with a further qualification in water resource planning, hydrology or engineering, • A highly numerate person able to demonstrate experience in the utilisation of hydrological and water resource behavioural software and tools. (Experience of GR6J or other catchment models, Pyware or Aquator would is highly desirable. An understanding of the advantages of, or ability to code in Python would be an advantage), • An ability to think both strategically whilst focusing on day-to-day water resource and production and distribution operation, effectively and efficiently, • Able to demonstrate experience in water resource risk management and drought planning through the capture of operational and hydrological evidence, to assess water supply consequence and benefits of improvement actions, • A proved track record in developing positive working relationships with colleagues at all levels of the organisation from Directors to front line operational staff. The ability to guide and influence change based on effective analysis and communication across management teams and wider organisation, • Able to demonstrate the successful management of a team through effective employee engagement, performance management and staff development, • The ability to build relationships with external agencies, to identify opportunities for cooperative working and mutually successful solutions, • Ability to travel as required As well as a market competitive salary, 34 days annual leave (pro rata, including public holidays), we offer a range of employee benefits and rewards including: • Variable pay schemes (your salary band will remain the same, but performance depending, you could receive an incremental within-band increase and a yearly incentive), • Option to buy additional annual leave up to 5 days per year, • Enhanced employer pension contributions – Up to 11% employer contributions, • Free Mortgage Brokering Services, • Enhanced family friendly policies, • Progression opportunities, including the ability to apply for funded training and coaching and mentoring programmes, • Gym and fitness discounts as well as high street shopping, • Cycle to work scheme, • Discount off all Welsh Water visitor attraction centres and gift shops, • Car-leasing scheme and free on-site parking at all sites, • Health CashBack scheme and access to an online GP service, • An employee assistance programme for employees and their immediate family, • Many more can be found on our website. Due to the nature of the industry, we require satisfactory references, post offer medical clearance, and a criminal records Basic Disclosure check on all new employees joining the business. For some roles there may be additional checks and security clearance required, and this offer is subject to all checks being satisfied. You will receive further information on how to complete these checks via email once you have accepted this offer. Dŵr Cymru Welsh Water keep 3 million people healthy each day with safe, reliable water, and take away wastewater to clean, before returning it safely to our beautiful rivers and seas. To be able to deliver high quality, essential services which help to protect the health of our customers, colleagues and our environment, we need the right people to deliver on our vision. This is achieved by living our core values and demonstrating the core behaviours that underpin them. The security of our people, assets and information is key to us, so we are looking for people who understand and comply with the company’s required security objectives. We know that the most successful teams are the most diverse teams. Equality, diversity and inclusion provide the very foundation to our culture at Welsh Water. We want every individual to feel confident, proud and able to bring their whole selves to work. To ensure an improved representation in our workforce, applications are particularly welcome from minority groups including Black, Asian and Minority Ethnic people, Females, LGBT+, Non-binary and people with disabilities. Together we continue to build a workplace that not only celebrates the diverse voices of our colleagues but also represents each customer we serve. In essence, ours is a company based on trust, openness, respect, commitment and honesty. A company that our colleagues are proud to work for. Dŵr Cymru Cyf, a limited company registered in Wales No. 2366777. Registered office: Linea, Fortran Road, St. Mellons, Cardiff CF3 0LT Job Segment: Law, Supply, Risk Management, Hydrology, Systems Analyst, Legal, Operations, Finance, Science, Technology #J-18808-Ljbffr

Admiral Money is an exciting and growing division within Admiral Group. We combine the pace and ambition of a growing lender with the backing and stability of a FTSE-listed business. Since launching unsecured personal loans in 2017, we have continued to grow and diversify, with Motor Finance and Mortgages added more recently. We are looking for people who are keen to learn, excited to get stuck in and ready to help us build something special for our customers. We are looking for a Lead Credit Risk Analyst to join our Credit & Pricing Function. As a Lead Analyst in Risk Pricing, you will drive the development and delivery of robust risk pricing strategies and actionable portfolio insights. You will independently lead analytical workstreams, take accountability for the accuracy and performance of risk models (PD, fraud, death risk), and ensure portfolio performance is optimised against risk appetite. You will set standards for analytical excellence, influence strategic decision-making across the business, and mentor your team to deliver consistently strong results. This is a hybrid role with the expectation to be in our Cardiff Office at least once a month. • Own the development, validation, and ongoing performance of risk models (PD, fraud, death) using advanced statistical and ML techniques; ensure they remain fit-for-purpose and meet regulatory/governance standards, • Independently analyse portfolio performance and take accountability for identifying root causes of deviation from expected outcomes; communicate insights and drive corrective action, • Set analytical standards and best practices for the risk pricing team; enforce rigorous data quality, methodology, and documentation disciplines, • Make key decisions on model enhancements and simulation tool improvements (Nexus, Kairos); balance technical rigour with business ROI, • Drive cross-functional initiatives to strengthen risk pricing strategies, portfolio monitoring, and strategic pricing for new product/channel opportunities, • Influence and advise Line 2 risk, Finance, and SMT on financial risk management, loss performance, and risk appetite alignment, • Develop and coach analysts on advanced modelling techniques, problem-solving approaches, and career progression; hold team accountable to high analytical standards, • Establish and maintain relationships with external data providers and monitor external data quality and relevance Own the development, validation, and ongoing performance of risk models (PD, fraud, death) using advanced statistical and ML techniques; ensure they remain fit-for-purpose and meet regulatory/governance standards, • Risk models covering all material sources of loss (PD, fraud, death risk) with robust validation, backtesting, and audit trails, • Comprehensive model documentation meeting internal governance and external regulatory requirements, • Monthly portfolio performance analysing actual vs expected outcomes for all loss sources by risk segment, product, channel, and vintage; identifying strategic insights and business implications Recommendations and business cases for model enhancements, pricing adjustments, or portfolio interventions; track implementation and measure impact, • Data Science experience with a strong track record of developing, validating and monitoring predictive models., • Python development experience with the ability to build, maintain and enhance analytical/model development solutions., • Expert-level SQL experience including extracting, transforming and analysing large, complex datasets., • Experience within lending products, specifically: Motor Finance, Homeowner Loans (Secured Lending) or Unsecured Personal Loans (UPL), • Strong experience developing and maintaining risk models (PD, fraud, credit risk or related models) using statistical and machine learning techniques., • Ability to analyse portfolio performance, identify root causes of trends, and make data-driven recommendations to improve commercial and risk outcomes., • Experience communicating analytical findings and influencing stakeholders across Risk, Finance and senior leadership teams., • Experience with Power BI and creating management information/reporting dashboards., • Experience using Git for version control and collaborative development., • Experience with simulation tools and pricing platforms (e.g. Nexus, Kairos or similar)., • Previous experience mentoring or coaching analysts and supporting team development., • Knowledge of external data sources such as credit reference agencies and third‑party risk data providers., • Experience operating within regulated financial services environments with strong governance and model documentation standards. We take pride in being a diverse and inclusive business. It's a place where you can BeYou, and show up as you are. We’re committed to fostering a people‑first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service. Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays). You also have the option to buy or sell up to an additional five days of annual leave. We’re proud of our people‑first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics. Our fantastic benefits make sure our colleagues have a great work-life balance; You can view some of our other key benefits here. As a Disability Confident Leader, for candidates with a disability or long‑term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process. If you need any adjustments or support with your application or during the recruitment process, just let us know. Please do email or contact us on . This number is dedicated to supporting candidates that require reasonable adjustments or support during the application process. #LI-ED1 #LI-Money #J-18808-Ljbffr

Lead Credit Risk Analyst role in Motor Finance portfolio Essential experience in credit risk or strategy within consumer lending Involvement in SQL/Python for data analysis and reporting Annual share scheme up to £3,600 after one year of service 33-38 days holiday including bank holidays with the option to buy or sell additional leave Admiral Money is seeking a Lead Credit Risk Analyst to play a key role in managing and evolving the credit strategy of our Motor Finance portfolio. This is a broad, high-impact role in which you will take ownership of credit policy, referral strategy, portfolio monitoring and underwriting optimisation, ensuring we effectively manage credit risk exposure while supporting sustainable growth. The role combines strategic direction with hands-on analytics in a fast-moving, innovative environment. Admiral Money is the dynamic lending arm of Admiral Group, offering personal loans, motor finance, and homeowner loans since 2017. We’re building something special for our customers and are looking for curious, driven individuals ready to learn, take on challenges, and make an impact. We’re proud to be a certified Great Place to Work for over 25 years, with recognition for Women and Wellbeing. Our inclusive culture empowers everyone to Be You. • Leads the end‑to‑end credit policy and underwriting strategy for Motor Finance, optimising lending criteria, scorecards, and asset risk parameters. Ensures decisioning strategies balance growth, automation, and risk appetite while staying aligned with regulatory requirements. Continuously identifies opportunities to enhance processes, credit controls, and the use of new data sources and tools., • Owns and improves the referral and application funnel strategy, driving higher automation without compromising risk oversight. Enhances customer and dealer journeys by leveraging data effectively and balancing manual underwriting, fraud controls, and automation to deliver strong customer outcomes., • Monitors key portfolio performance metrics (approvals, arrears, defaults, recoveries, profitability) to identify risks and opportunities. Conducts segmentation and trend analysis, ensuring the portfolio remains within risk appetite and funding thresholds. Provides clear, timely insights and reporting to senior stakeholders and governance forums., • Uses SQL/Python to extract, analyse, and interpret data to inform and improve credit strategies. Produces high‑quality MI, strategy papers, and committee updates, partnering closely with Data and BI teams to refine reporting and deliver actionable insight., • Represents Credit Strategy in business forums, acting as SME for key projects including new products, systems, and channel enhancements. Supports the implementation of new data integrations and decisioning capabilities. Provides leadership and guidance within the team, effectively prioritises workloads, and fosters a culture of continuous improvement., • Minimum 3 years’ experience in a credit risk or credit strategy role within consumer lending, • Experience managing or optimising credit policy within a regulated environment, • Strong understanding of underwriting strategy, portfolio monitoring and risk controls, • Hands‑on analytical capability with SQL and/or Python and Excel, • Proven ability to interpret data and translate insights into commercially sound recommendations, • Experience writing board/committee papers and presenting to senior stakeholders, • Strong communication and influencing skills across all organisational levels, • High attention to detail with an analytical and problem‑solving mindset, • Self‑motivated, organised and adaptable in a fast‑paced environment, • Motor finance experience, • Experience with new product launches, system enhancements or channel development projects, • Exposure to embedding new products, services or data integrations into live decisioning, • Experience refining MI, reporting capabilities or partnering with Data/BI teams, • Ability to challenge existing practices and drive continuous improvement, • Experience balancing manual underwriting, fraud controls and automation We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We’re committed to fostering a people‑first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service. Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays). You also have the option to buy or sell up to an additional five days of annual leave. We’re proud of our people‑first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics. Our fantastic benefits make sure our colleagues have a great work‑life balance; You can view some of our other key benefits here. As a Disability Confident Leader, for candidates with a disability or long‑term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process. #J-18808-Ljbffr

Legal & General (L&G) is a leading UK financial services group and major global investor.We’ve been safeguarding people’s financial futures since 1836, and strive to build a better society, while improving the lives of our customers and creating value for shareholders.We are one of the world’s

Link Financial Outsourcing Limited seeks a Data Migration Analyst to lead gap analysis and document requirements for migrating live data to internal credit management products.You will collaborate with Group Consultants, Directors and Product teams, translating complex financial data concepts into a

Part Qualified Accountant or Qualified (ACCA, CIMA, ACA) with commercial experience (preferable).

The role involves enhancing financial reporting processes and working with stakeholders to ensure accuracy and compliance in financial outputs. A leading UK financial services group is seeking a Senior Finance & Data Analyst for a 12-month FTC. Ideal candidates will have strong analytical skills, a

Admiral Money is seeking a Lead Credit Risk Analyst to own the credit strategy for our Motor Finance portfolio, combining strategic direction with hands-on analytics in a fast-moving environment.

We’re looking for an experienced Senior Finance Analyst to join our Finance Reporting & Analytics team. Enhancing and optimising reporting across Finance and the wider business. Experience within financial services, asset management or a Finance function, or with automation tools such as Power Aut

A consulting firm seeks a Business Analyst to engage with business and technical stakeholders in the United Kingdom.This role involves gathering requirements, analyzing processes, and driving solutions in finance and IT transformation projects.The ideal candidate must possess a degree related to fin

Monzo is seeking a Senior Financial Crime Analyst to join the Actions Squad and own global risk controls across MBL and MBEU. You’ll work with Finance Crime, Operations, Product and Engineering to deliver compliant and customer-focused solutions, lead cross-functional initiatives and handle comple

You don’t need to be an actuary; candidates from finance, investments, insurance, pensions, operations or other data-led environments are welcome. Legalandgeneral is seeking an ALM Analyst to support daily and ad hoc ALM requests and weekly reporting for asset and liability decisions within Instit

Legal & General is seeking a Senior Finance Analyst to join the Finance Reporting & Analytics team in Cardiff. You will deliver high-quality reporting, analytics and data visualisation to support informed decision-making across Finance and the wider business.

You will design and maintain Tableau dashboards, enhance finance reporting, and partner with stakeholders to deliver actionable insights across the business. The role involves building Power BI visuals, exploring AI-enabled tools, and driving data quality and governance to enable informed decision-m

We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo London/Cardiff/UK Remote | £97,800-£125,000 + Incentive Awards tied to your performance and benefits | Hear from the team Our Financial Crime Collective helps keep Monzo and our customers safe. We build effective, proportionate controls to protect against financial crime while delivering great customer outcomes. Our Analytics Engineering discipline works in the intersection between data, engineering and our collectives - Core, Money, Borrowing, Operations and Financial Crime and beyond. The AE teams are responsible for building downstream data models from backend services with the desire to make our Data Warehouse a genuine competitive advantage for Monzo. We want a discipline capable of building a reliable and scalable Data Warehouse to support decision making in a cost effective and performant manner. Managers within Data have two primary responsibilities; people and technical products. Your focus will be on helping engineers with their personal and professional development, listening and guiding them through hard times and celebrating their successes. You will also be leading and participating directly in technical initiatives and helping Monzo shape its Data organisation, ensuring the team focuses on valuable work, shipping things with a level of care and attention to detail. There will be a strong focus on delivering best practice across our data discipline and helping bring a new level of maturity around Data Governance principles, working in collaboration with others to deliver this. • Be a hands-on leader in building a discipline of exceptional analytics engineers working to make Data at Monzo the gold standard within the industry, • Nurture between 5 to 6 analytics engineers, supporting, coaching and developing high performing engineers through regular 1:1s, continuous feedback and relationships with others, • Aid prioritisation of initiatives and projects, working closely with other leads for each of our Monzo collectives, • Be hands on through participating in the review cycle, architecture and design leadership and development of your own changes to the pipelines, • Be part of the hiring team within Analytics Engineering, • Work closely with other leads to deliver a scalable, consistent approach to governance and best practices, • Drive effective project management of central Analytics Engineering projects, ensuring they’re well scoped and delivered to deadlines, • Establish yourself as a trusted partner to various collectives and the leadership team, with the capacity for getting things done, be it either hands-on or by leading others, • We all own and support the pipelines we contribute to, and on call support out of hours will be expected from time to time as part of this role, • You have experience managing or mentoring the performance and development of high-performing engineers., • You have strong experience in data warehousing architecture at scale, • You have experience and a passion for leading data warehousing, data visualisation, big data or ETL projects as an analyst, developer, designer or architect, • You know what it takes to hire great engineers within the data space, • You’re equally comfortable working hands on and leading a team, • Any experience working within a finance or banking environment, • Experience working in a highly regulated environment (e.g. finance, insurance, gaming, food, health care), • Experience with any of our stack of dbt, BigQuery and Looker, • £97,800-£125,000 + Incentive Awards tied to your performance and benefits, • We’ll help you relocate to the UK., • We can sponsor your visa., • This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London), • We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team., • £1,000 learning budget each year to use on books, training courses and conferences., • We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup., • Plus lots more! Read our full list of benefits., • Recruiter Screening Call, • Initial Call, • Take Home Task, • Final Loop (3 sessions - case study, collaboration and people leadership) This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. For more insight into the AE team at Monzo, check out our podcast with John Azzopardi one of our Senior Leaders in AE Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage #J-18808-Ljbffr

Admiral Money, the dynamic lending arm of Admiral Group, seeks a Lead Credit Risk Analyst to own the credit strategy for our Motor Finance portfolio.You will shape policy, referral strategies, and underwriting optimization while balancing growth with risk in a fast-moving, data-driven environment.Yo

Propel Finance was established in 1996 to provide flexible and accessible finance to SMEs across the country. Now, more than 20 years on, Propel has grown to become one of the UK’s largest, independent finance houses. We have continued to deliver leading-edge finance solutions through a unique com

A leading finance provider in the UK seeks a Senior PMO Analyst to establish and mature the Portfolio Management Office.

A leading financial consultancy is seeking a Financial and Investment Analyst to engage in detailed financial analysis and investment research.

First Quantum Minerals Ltd is seeking a Senior Finance professional to drive investment evaluation and financial modelling for the group, focusing on mining assets and capital projects. The role requires 5+ years in finance or banking, strong Excel/PowerPoint, knowledge of Hyperion/Power BI, and wil

Proven experience as a Business Analyst delivering finance transformation, finance systems or commercially focused change programmes. Finance Transformation Business Analyst. Finance Transformation Business Analyst.

Seeking a Finance Business Analyst with strong Accounts Receivable experience for a hybrid role in Glasgow, focusing on e-invoicing transformation across multiple countries.

Experiencein Commercial Finance, Finance Business Partnering, or Contract Finance roles. Reporting into the Head of Commercial Finance, you will act as a key link between finance, operations, and commercial teams. N\nIf this job isn't quite right for you, but you're an accountant looking for a new j

A leading pet food company based in Leeds is seeking a Commercial Finance Analyst. You will work closely with finance and cross-functional teams to support robust reporting and develop financial models.

Seeking a Finance Analyst for a 6-month interim role to provide analytical and strategic finance support across a cluster of schools.

Nottingham Trent House (95002), United Kingdom, Nottingham, NottinghamshireFinance (FP&A) Senior Analyst - Fixed Term Contract. We are looking for an experienced FP&A Analyst to help drive our best-in-class FP&A team. The role involves in-depth analysis of our portfolio, as well as specialised proje

Assisting with other finance activities, as required.

GIS Analyst / FME Specialist – Environmental Data. Pertemps are recruiting a GIS Analyst to support a woodland programme within a major environmental organisation.

About the role Môrwell Talent Solutions is recruiting on behalf of a values-based charity in the Vale of Glamorgan who are searching for an experienced Interim Finance & Resources Manager to provide leadership, continuity and stability across finance and business support during a period of organisa

We're working with a well-established organisation seeking a commercially minded Management Accountant to join its finance team. Experience in a finance or accounting role, with an interest in developing your management accounting skills. The confidence to explain financial information clearly to co

Data Analyst Placement Programme – no experience needed From £30,000 to £65,000 per annum Trainee Data Analyst – £30,000–£65,000 – Job Programme This is a self-funded programme that leads to employment, fees apply. Salary expectations: Data Analyst: £30,000 – £65,000 Business Intelli

The Finance Manager will need to have a full professional qualification such as ACCA, CIMA or ACA, as well as a proven track record of managing a team of people. Sample Responsibilities for the Part Time Finance Manager: Management and supervision of monthly management accounts. Supporting the Senio

An environmentally conscious manufacturing company near Caerphilly are expanding their finance team and recruiting for a Management Accountant on a permanent basis. Reporting to the Head of Finance and working with a small team, this role will play a key part in strengthening financial controls, imp

Business Management, Economics, Finance, and Marketing related courses. Placement Year - Business Analyst Intern. Strategy & Planning Business Analyst:.

Job Description Trainee Business Analyst Programme – Job Guarantee Included \n Complete online training designed to take you from zero experience to your first Business Analyst role. The Outcome \n 93% of graduates secure business analyst roles within 3 months.