Senior Credit Risk Analyst - In- lending; FTC

Senior Credit Risk Analyst (12 month Fixed Term Contract)

We are The Very Group and we help families get more out of life through flexible payment options and a purpose‑driven culture.

We are looking for a Senior Credit Risk Analyst to join our Existing Customer Management team within Credit Risk. This is an exciting opportunity to influence customer outcomes and business performance in a fast‑paced environment.

• Optimise lending strategies and in‑life credit decisions using data‑driven insights.
• Analyse customer behaviour and deliver actionable recommendations to senior stakeholders.
• Implement systemic changes to improve decision‑making and customer experience.
• Collaborate with internal teams and trusted third‑party partners to explore new opportunities.

• You are curious, analytical and logical with a keen eye for detail.
• You have a degree and/or practical experience in a similar role.
• You are highly proficient in SQL, SAS and advanced Microsoft Excel. Exposure to Power BI would be advantageous.
• Experience of Credit Risk, particularly within credit lending, would be advantageous.
• You are a team player who can quickly establish relationships with our existing team and key stakeholders.
• You have softer skills – the ability to coach and develop other analysts, solve complex problems and relay solutions in a simple, clear and concise way.
• You are customer‑outcome focused, commercially aware and can communicate across all levels of the business, influencing and providing challenge where necessary.

• Flexible, hybrid working model.
• Inclusive culture and environment.
• £1,000 flexible benefits allowance.
• 30 days holiday + bank holidays.
• Linked In Learning access.
• Bonus potential (performance and business‑related).
• Up to 25 % discount on
• Matched pension up to 6 %.

Please note that the talent acquisition team will manage this vacancy directly. If successful, you may be required to undertake a credit, CIFAS and DBS check. Our talent acquisition team will be in touch if you are successful, and we will arrange a short call to learn more about you and answer any questions. The interview process typically includes a video call and a formal onsite interview, but we will tailor the process to each role.

If you require reasonable adjustments for any stage of the process, please let us know.

We are an equal‑opportunity employer and value diversity. We do not discriminate based on race, religion, colour, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process.