Senior Credit Risk Analyst

Location: West Midlands

SENIOR CREDIT RISK ANALYST BIRMINGHAM | UP TO £57,000  BONUS  BENEFITS This is an exciting opportunity to join a fast-growing consumer finance business in a highly visible credit risk role. You will play a key part in shaping credit strategy for a major new lending proposition, working with large-scale datasets and helping drive commercial growth while maintaining strong risk performance.

THE COMPANY They are a well-established consumer finance lender operating in a fast-paced, technology-driven environment. Combining the agility of a Fin Tech with the stability and resources of a larger financial services group, they continue to invest heavily in their credit analytics and decisioning capabilities.

The business is launching a significant new lending partnership, creating a unique opportunity to influence strategy from an early stage and work with a wide range of internal, external, and alternative data sources.

THE ROLE
* Develop and optimise acquisition and customer management credit strategies
* Design and implement policy rules, credit limits, pricing strategies, and affordability frameworks
* Utilise bureau, internal, and alternative data sources to drive lending decisions
* Monitor portfolio performance and identify opportunities to enhance strategy effectiveness
* Present recommendations and strategy changes to senior stakeholders and governance forums
* Support onboarding strategy development for new lending propositions
* Balance commercial growth objectives with regulatory and consumer duty requirements
* Assess the impact of economic and market trends on portfolio performance YOUR SKILLS & EXPERIENCE
* Strong experience within consumer lending credit risk, credit strategy, or risk analytics
* Experience developing acquisition, underwriting, or customer management strategies
* Knowledge of credit policy rules, scorecards, pricing, limits, or affordability modelling
* Strong SQL, SAS, or Python skills
* Ability to work with large datasets and translate analysis into commercial recommendations
* Excellent stakeholder management and communication skills
* Understanding of credit bureau data and the wider credit lifecycle
* Experience with in unsecured lending, retail finance, consumer finance, loans, or cards is advantageous WHAT THEY OFFER
* Salary up to £57,000 depending on experience
* Annual bonus scheme
* Competitive benefits package
* Hybrid working arrangement
* Opportunity to work on a high-profile new lending proposition
* Exposure to senior stakeholders and risk committees
* Fast-paced environment where new ideas can quickly translate into strategy changes
* Strong learning and development opportunities within a collaborative team
* Clear progression pathways within a growing risk function

HOW TO APPLY

Please register your interest by sending your CV through the Apply link.