Junior Credit Risk Analyst

At Frasers Group we're rethinking retail. Through digital innovation and unique customer experiences, we're serving our consumers with the world's best sports, premium and luxury brands globally. As a leader in the industry, we're elevating the retail experience for our consumers by providing flexible and convenient ways to pay across our collection of established brands, including Studio, Sports Direct, FLANNELS, USC, Frasers, and GAME.

Frasers Group Financial Services is the next chapter of elevation for the Frasers Group. We fear less and do more. Our people are forward thinkers who are driven to operate outside of their comfort zone to change the future of retail, embracing challenges along the way. The potential to elevate your career is massive, the experience unrivalled.

Our purpose – we are elevating the lives of the many with access to the world's best brands and experiences.

Frasers Group Financial Services is committed to delivering a positive colleague experience. To make the most of it, you need to immerse yourself in delivering on our principles:
Think without limits – think fast, think fearlessly, and take the team with you. Own it and back yourself – own the basics, own your role and own the results. Be relevant – relevant to our people, our partners and the planet.

This is a great opportunity for someone looking to build a career in reporting and analysis within Financial Services. The role offers the chance to work with data, produce meaningful management information, and support decision‑making across the business. You will help maintain regular reporting, investigate trends and issues, and contribute to continuous improvement, while developing valuable technical and analytical skills in a supportive team environment.

• Producing regular management information, reporting and analysis to support lending, operational and business performance monitoring
• Preparing daily, weekly and monthly reports, including month‑end packs and ad‑hoc analysis
• Updating Excel files, reporting trackers and Power BI dashboards, while checking and reconciling data
• Providing insight on key lending and governance metrics, including trends, variances and surfacing information where required
• Reconciling invoices, tracking queries, and addressing variances with the credit risk manager
• Supporting governance, controls and continuous improvement across reporting processes
• Assisting with governance packs, templates, meeting materials and action tracking
• Maintaining reporting controls, records and documentation to ensure outputs are complete and accurate
• Responsible for running and implementing improvements to operational processes, including handling irresponsible lending complaints and other servicing tasks that support responsible lending practices
• Building effective working relationships with stakeholders to understand reporting needs and communicate outputs clearly
• Working with teams to gather information for regular and ad‑hoc reporting
• Communicating reporting outputs, trends and issues clearly and professionally
• Supporting colleagues with reporting queries and helping maintain effective working relationships across the wider business

As FGFS is within a regulated environment, any offer is subject to satisfactory background checks including criminal record check, credit check and employment references.

• Frasers Champion – peer nominated scheme awarding double pay for a month to eight winners who live the Frasers Group values
• Retail Reconnect – employees spend 1–2 days in a store or warehouse to gain insights, fostering cross‑functional understanding
• Fearless 1200 – reward system linking performance to rewards, recognising colleagues for living values and delivering impact
• Frasers Fit – free gym classes and discounted memberships; wellness app with training, nutrition and lifestyle advice
• Retail Trust – free access to a wellbeing helpline, wellness hub, counselling and financial/legal support

• Strong numeracy skills and confidence working with data
• Good Excel skills and an interest in working with spreadsheets and data
• An interest in Power BI, reporting tools and data visualisation
• Strong attention to detail and commitment to producing accurate work
• Curiosity and willingness to learn, investigate trends and solve problems
• Ability to build positive relationships and work collaboratively with a range of stakeholders
• Good organisational skills and the ability to manage regular deadlines
• A proactive and methodical approach to tasks
• Motivation to develop new skills and grow within a reporting and analysis role
• Good communication skills, both verbal and written
• Comfortable using Microsoft Office tools
• A numerate degree would be a strong advantage, but is not required