About The Role. 

We are seeking an inquisitive and strategically minded Credit Risk Analyst to join our growing team. The ideal candidate will have a strong foundation in analytical problem-solving and a genuine eagerness to develop robust, insight-driven credit risk strategies. Experience within motor finance, non-prime lending, or collections and recoveries would be highly advantageous.

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In this role, you will play a vital part in supporting our lending frameworks, helping to balance growth objectives with the financial health of our business. Your responsibilities will centre on generating proactive insights to inform credit risk strategies, moving beyond routine reporting. You will use your analytical expertise to ensure our lending approaches align with positive credit outcomes, translating data insights into informed, strategic recommendations in the ever-changing motor finance market.

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You will join a growing Credit Risk team that values strategic thinking and commercial awareness. We need someone who can see the bigger picture and confidently present clear, data-driven recommendations. This is a great opportunity for someone who enjoys credit risk strategy, knows how to turn complex data into practical business insight, and wants to grow their career in a fast-paced environment.

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What You'll Do.

• Support Credit Strategy: Analyse data to help optimise and enhance our credit risk, affordability, and collections strategies.
• Collections & Recoveries Analysis: Assess the performance of collections activities and asset recovery processes to identify opportunities for efficiency and loss reduction.
• Data Analysis: Utilise SQL to extract and manipulate large datasets, providing the evidence base for best-in-class decision-making frameworks.
• Performance Monitoring: Monitor portfolio quality across risk tiers and channels, identifying early indicators of trends or deterioration.
• Collaboration: Work closely with the wider credit risk team to support the innovation of credit and affordability strategies through practical analytics.
• Process Improvement: Assist in developing efficient processes that strike a balance between customer outcomes, operational efficiency, and business objectives.
• Reporting: Produce regular reporting to track credit performance and arrears rates across the entire risk spectrum.
• Compliance: Ensure analysis and reporting adhere to regulatory, legal, and compliance standards (including Consumer Duty), maintaining a strong commitment to customer fairness.

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Your Background and Experience 

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You'll have previous experience of working in a Credit Risk or Data Analyst role and will be technically proficient; knowledge of SQL is essential for data extraction and manipulation, experience with Big Query, Python, or visualisation tools (e.g., Tableau, Power BI) is a plus.

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You'll be dealing with a wide range of stakeholders up to our Senior Leadership team so strong communication skills are a must, and the ability to explain technical data concepts to non-technical colleagues.

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If you’ve experience of working in the motor finance or non-prime lending market (including collections environments), that would be an advantage.

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• You’re a proactive problem solver, who can prioritise multiple tasks in a fast-paced environment. When an issue arises, you get involved and use your initiative to prioritise your work effectively under pressure and you have the ability to take a step back and analyse/understand the issue to ensure the correct next step is taken.