Full job description

Lead Credit Risk Analyst

Location: Leicester (Hybrid - 1 day per week in the office)

Salary: Up to £65,000 + Benefits

THE COMPANY

This is an exciting opportunity to join a leading consumer lending business as part of a growing Credit Risk function. Working within a collaborative team, you'll play a key role in shaping lending strategies, improving customer outcomes and supporting business growth through data-driven decision making. With a range of transformation projects underway, it's an excellent time to join a business investing heavily in its Credit Risk capability.

THE ROLE

As a Lead Credit Risk Analyst, you will develop and optimise lending strategies across an existing customer portfolio, balancing commercial growth with responsible lending.

Key responsibilities include:

• Develop and implement lending, affordability and credit limit strategies.
• Analyse portfolio performance to identify risks and commercial opportunities.
• Design and evaluate strategy tests to improve customer outcomes.
• Deliver portfolio analysis, MI and customer trend reporting.
• Work closely with modelling teams to implement strategic changes.
• Support the rollout of a new behavioural scorecard and credit decisioning system.
• Present strategic recommendations to senior stakeholders.
• Collaborate across the wider business to deliver key Credit Risk projects.

YOUR SKILLS AND EXPERIENCE

• Experience within Retail Credit Risk or Consumer Lending (e.g. credit cards, loans or mortgages).
• Experience working on Existing Customer Management (ECM), acquisition or lending strategies.
• Knowledge of credit limit management, affordability or pricing strategy.
• Strong SQL skills.
• Exposure to SAS or Python is advantageous.
• Excellent analytical, communication and stakeholder management skills.

THE BENEFITS

• Salary up to £65,000.
• Hybrid working (1 day per week in the office).
• Opportunity to work on high-impact Credit Risk transformation projects.
• Collaborative team with excellent learning and career progression opportunities.
• Exposure to a broad range of Credit Risk initiatives and strategy work.

HOW TO APPLY

Please register your interest by sending your CV to Max at Harnham via the Apply link on this page.