Senior Credit Risk Analyst

We’re looking for a Senior Credit Risk Analyst to join N Brown Group. This role sits within the Credit Risk team, supporting the development of the lending strategy to drive long‑term, sustainable profit from our Financial Services offering. This will be achieved through the monitoring of the existing strategy, working alongside the team to identify opportunities for changes ensuring good outcomes for customers and the business.

You’ll join a team guided by the Head of Portfolio Risk and Collections who is responsible for credit limit management, risk based pricing, collections strategy and portfolio risk management, including IFRS9 modelling. The role is ideally suited to an experienced analyst in a Credit Risk team who is looking for a new opportunity in a growing, fast‑paced organisation. In this role you would work alongside colleagues across the Credit Risk lifecycle, as well as from Digital Operations, Financial Services Product and Compliance.

• Responsible for the production of complex ad‑hoc analysis, providing timely conclusions and recommendations to support the Credit Risk team
• Provide support in the planning, testing and implementation of strategy changes within the credit risk decision engine
• Responsible for the development of new monitoring, as well as the accurate and timely production of regular MI, including insight into these reports for senior management
• Create and undertake analysis to monitor the groups lending strategies and risk decision systems to ensure these are working as expected
• Help to drive continuous improvement through the identification of opportunities to enhance the existing customer strategy
• Representing the Credit Risk team across cross‑functional projects
• Build effective collaborations with other Credit Risk Managers and Analysts to ensure monitored metrics are a suitable measure of current risks.
• Provide support with the month‑end IFRS9 process, to investigate any changes in customer behaviour impacting inputs or outputs to the model
• Develop knowledge of the existing N Brown IFRS9 model and its components

• Previous experience working as an analyst in a Credit Risk team, utilising SQL and Microsoft Excel to an advanced level
• Highly analytical with strong technical skills and a focus on accuracy and attention to detail
• Self‑motivated with the ability to work independently in a responsible manner, seeking advice when appropriate
• Proven planning and organisation skills to manage multiple requirements, prioritise work and meet demanding deadlines with minimal supervision
• Comfortable extracting and analysing large datasets using SQL
• Strong written and verbal communication skills, which must include the ability to convey complex information clearly with confidence
• Collaborate effectively by building good business relationships with your peers across the business
• You’ll be a ‘self‑starter’ who takes initiative and can work with ambiguity
• Highly analytical with a demonstrated ability to solve problems through logical thinking

• Experience of working with an IFRS9 model
• Experience in credit risk model development
• You may have worked in a credit risk team for an online retail lender

• Hybrid working (3 days in the office at a minimum)
• 24 days holiday (+ 8 bank holidays)
• Annual bonus scheme
• Enhanced maternity and adoption leave
• Company pension with up to 8% N Brown contribution
• Mental Health support both internally and externally, including access to our wellbeing champions and counselling services
• A range of financial wellbeing support
• Stream – a financial wellbeing tool that helps you track your pay, access earnings early and manage your money with confidence
• Colleague discount across all N Brown brands
• Onsite café with subsidised rates and local restaurant discounts
• Life Assurance and Private Medical Insurance
• Paid volunteer time – all our colleagues can take a full day paid to volunteer for a charity of their choice

We’re 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.