Senior Credit Risk Analyst

Are you an analytical credit risk professional ready to shape the future of automotive lending? FCE Bank plc (the financial services arm of Ford Motor Company) is seeking a Senior Credit Risk Analyst to join our team at the Dunton Campus.

In this critical Second Line of Defence (SLOD) role, you won't just monitor risk—you will help define how we grow safely. You will act as a strategic advisor, designing advanced credit risk reporting, refining underwriting guidelines, and identifying emerging market risks before they impact the business.

This is a fast‑paced, high‑impact position where you will collaborate directly with First Line operations, shape Credit Committee proposals, and support the bank’s exciting digital transformation. If you have a data‑driven mindset, a passion for portfolio analytics, and the communication skills to influence senior leaders, we want to hear from you.

• Portfolio Monitoring & Reporting:
  Design, implement, and maintain management information (MI) and credit risk reports (covering risk appetite, KPIs, and KRIs) to monitor the health of FCE’s consumer lending portfolios.
• Risk Analysis:
  Conduct standardized variance analysis to describe risk movements by causal factors (such as borrower behavior, macroeconomic shifts, and market indices) across individual markets and FCE‑wide.
• Strategic Projects:
  Lead ad‑hoc credit risk projects supporting strategic growth, risk‑mitigation initiatives, and the bank’s digital transformation.
• Cross‑Functional
  
  Collaboration:
  
  Build strong relationships with First Line (1
  
  LOD) operational teams and Finance to optimize originations processes, underwriting expertise, and credit scorecards.
• Risk Mitigation & Policy:
  Identify emerging risks through data analysis and horizon scanning, recommend mitigation strategies, and support the implementation of credit policies and procedures.
• Infrastructure & Testing:
  Support credit originations infrastructure, develop qualitative underwriting guidelines, and design/execute test plans for scorecard enhancements.
• Governance & Support:
  Provide Second Line oversight and support for Credit Committee proposals and portfolio assurance activities.
• Mentorship:
  Coach, guide, and support junior team members to help develop their credit risk expertise.

• Proven experience establishing, monitoring, and developing underwriting guidelines and credit proposal quality assessments.
• Experience designing credit risk policies and procedures that improve organizational effectiveness.
• Experience supporting and presenting credit risk assessments in Credit Committees.
• Strong capability to assess the creditworthiness of retail consumer customers.
• Ability to operate in a fast‑paced environment, build strong relationships, and influence stakeholders with gravitas.
• An analytical, data‑driven mindset with a proven ability to solve complex business challenges.
• Excellent communication skills, with the ability to interface confidently with senior leaders, Board members, and global stakeholders.

• Technical knowledge of emerging AI/IT tools and their practical application in streamlining data workflows, MI reporting, and data‑led decision‑making.
• Experience implementing digital risk products and services.
• Practical experience in First Line of Defence (1
  
  LOD) credit operations, including hands‑on underwriting of retail consumer customers.

The Company is committed to diversity and equality of opportunity for all and is opposed to any form of less favourable treatment or harassment on the grounds of race, religion or belief, sex, marriage and civil partnership, pregnancy and maternity, age, sexual orientation, gender reassignment or disability.

This position is based in Dunton, and it is expected the successful candidate will be able to attend the Dunton Campus for typically 4 days a week and remain flexible on the days they are required to attend the office according to business requirements.

As part of our pre‑employment checks process, successful candidates will be required to undergo a criminal record check. This will be conducted in line with the Rehabilitation of Offenders Act 1974 and applied only to unspent convictions.