Lead Credit Risk Analyst 198500

Lead Credit Risk Analyst

Leicester (Hybrid, 1-2 days per week) | Up to £65,000

Are you a Credit Risk Analyst looking to take ownership of lending strategy within a large-scale consumer credit environment? This is an opportunity to join a highly established organisation with a significant lending portfolio, where you'll influence customer credit decisions, optimise commercial performance, and shape strategy through data-driven insights.

The Company

This organisation is a market-leading consumer business with a substantial financial services function supporting millions of customers. They operate a large-scale credit portfolio and use advanced analytics to drive responsible lending decisions and enhance customer outcomes. With continued investment in data and analytics, they offer a collaborative environment where analytical talent plays a central role in business decision-making. Based in Leicester, they offer a flexible hybrid working model.

The Role

As a Lead Credit Risk Analyst, you will sit within the existing customer strategy team, focusing on the ongoing management and optimisation of customer lending decisions.

Responsibilities include:

• Developing and enhancing credit risk strategies for existing customers
• Analysing customer behaviour, spending patterns, and portfolio performance to identify opportunities and risks
• Making recommendations around credit limits, pricing, affordability, and interest rate strategies
• Designing and evaluating strategy changes through detailed analytical investigations
• Delivering insights and recommendations to stakeholders across risk and commercial functions
• Using data to balance customer outcomes, portfolio performance, and business growth
• Supporting the implementation and monitoring of lending strategies across the customer lifecycle

Your Skills & Experience

• Strong commercial experience within retail credit risk, consumer lending, or financial services
• Experience developing, influencing, or optimising credit risk strategies
• Background in existing customer, in-life, affordability, credit limit, pricing, or portfolio strategy analytics
• Advanced SQL skills for data extraction and analysis
• Experience with SAS and/or Python
• Strong analytical and problem-solving capabilities
• Ability to communicate complex findings clearly to both technical and non-technical stakeholders
• Experience working with large customer datasets and translating insights into business action

What They Offer

• Opportunity to lead impactful credit risk strategy initiatives
• Exposure to a large and sophisticated consumer lending portfolio
• Strong career development opportunities within an established analytics function
• Collaborative environment with access to experienced credit risk professionals

How to Apply

If you're an experienced Credit Risk Analyst looking to move into a highly visible strategy-focused role, please apply with your CV to discuss the opportunity in more detail.