Lead Analyst, Portfolio Analytics and Forecasting

Lead Analyst, Portfolio and Forecasting

Job

Posted Thursday, 19 February 2026 at 01:00 | Expires Friday, 6 March 2026 at 00:59.

Contract Type:
Permanent | Full-Time

Location:

Bradford, Chatham, Petersfield or London

Working Pattern:
Hybrid (usually one day a week in the office).

We welcome part-time and flexible arrangements and will aim to match your current flexibility where possible.

We care about your wellbeing, not just your work. Our benefits are designed to support your life, your health and your growth:

• Holidays: 25 days (rising to 30) + buy/sell up to 5 days + swap up to 4 bank holidays.
• Pension:
  Up to 10% employer contribution.
• Enhanced Leave:
  Enhanced maternity (post-probation), 4 weeks’ paternity, and paid neonatal &carers leave.
• Workations:
  Work abroad for up to 20 days a year in approved countries.
• Birthday Leave:
  Your birthday off—paid.
• Volunteering: 2 paid volunteering days.
• Learning:
  Access to Learning for all colleagues.
• Financial Wellbeing:
  Free Snoop Premium subscription.
• Healthcare:
  Self-pay Denplan &optional Private Medical Insurance.

This is an exciting opportunity to play a pivotal role in shaping and strengthening our portfolios through high‑quality reporting, forecasting, and insight generation. You’ll lead the development, implementation, and optimisation of advanced forecasting models that support accurate predictions for 2nd Charge Mortgages, as well as leveraging capability from other portfolios including Credit Cards and Vehicle Finance. Through deep‑dive analysis, variance tracking, and exploration of new data sources, you’ll surface risks, opportunities, and trends that directly inform business strategy and enable responsible, profitable growth.

Your work will deliver actionable insight into how portfolio and strategy changes impact performance, ensuring decision‑makers have the intelligence they need to balance risk and reward while keeping customers at the heart of every choice.

You’ll be joining a collaborative and high‑performing environment, working closely with the Portfolio Analytics & Forecasting Manager and Credit Risk Strategy Managers to elevate our forecasting capability and support strategic decision‑making. This is a team that values knowledge sharing, analytical curiosity, and continuous improvement. Offering a great opportunity to build and shape a portfolio profiling and reporting capability that genuinely influences the direction of the business.

• Analyse portfolio data and variances to forecasts and lead on discussions and challenges that help inform the development of policy, scorecards, and strategies.
• Perform in-depth reviews of customer performance to generate meaningful insight and strategic recommendations for credit strategy updates, while also investigating and developing new data sources to strengthen analysis and support more informed decision‑making.
• Design and implement forecasting models for key portfolios to predict trends, risks, and opportunities. Ensure the models are accurate, up-to-date, and tailored to evolving business needs.
• Use statistical models and advanced data analytics techniques to deliver actionable insights into portfolio performance, risk exposure and credit quality, presenting clear findings and recommendations to senior management and key stakeholders to inform strategic decisions and drive performance improvements.
• Regularly track and assess portfolio performance, using forecasting data to inform operational strategies and adjust forecasts where necessary.
• Work cross‑functionally with teams in risk management, finance, product development, and operations to align forecasting efforts with business goals.
• Be ‘customer‑obsessed’ and have the appetite to understand our customers, how they behave, and provide insight that helps the business make decisions that positively impact the customer.
• Ensure compliance with policies, procedures and external regulatory frameworks and ensure that the principles of responsible lending are upheld in line with the Group’s Responsible Lending Policy.

• 3+ years’ experience in forecasting,…