Credit Risk Analyst

Overview

• Have you previously worked in a Credit Risk or Data Analyst role?
• Do you have a strong working knowledge of SQL?
• Does the idea of joining a company who are undergoing a genuinely exciting period of change and growth appeal?

We're seeking an inquisitive and technical Credit Risk Analyst to join our growing team. The ideal candidate will have experience in an analytical role and will bring a strong, data-driven approach to credit risk management. Experience with in motor finance, non-prime lending, or collections and recoveries would be highly advantageous.

In this role, you will support our lending decisions, helping to balance growth objectives with the financial health of our business. Your responsibilities will include deep-dive data analysis to support decision-making processes and drive automation. You will use your technical expertise to ensure our strategies align with strong credit outcomes, leveraging data-driven insights to navigate the dynamics of the motor finance market.

You will join a growing Credit Risk Analytics Team, promoting a culture of growth, precision, and operational excellence. We are looking for someone who loves the detail but also possesses the solid communication skills required to present complex findings to senior stakeholders clearly and effectively.

This is a pivotal position ideal for an individual passionate about data, capable of translating raw numbers into actionable insights, and who is eager to develop their career in a dynamic setting.

What You ll Do.

• Support Credit Strategy:
  Analyse data to help optimise and enhance our credit risk, affordability, and collections strategies.
• Collections & Recoveries Analysis:
  Assess the performance of collections activities and asset recovery processes to identify opportunities for efficiency and loss reduction.
• Data Analysis:
  Utilise SQL to extract and manipulate large datasets, providing the evidence base for best-in-class decision-making frameworks.
• Performance Monitoring:
  Monitor portfolio quality across risk tiers and channels, identifying early indicators of trends or deterioration.
• Collaboration:
  
  Work closely with the wider credit risk team to support the innovation of credit and affordability strategies through practical analytics.
• Process Improvement:
  Assist in developing efficient processes that strike a balance between customer outcomes, operational efficiency, and business objectives.
• Reporting:
  Produce regular reporting to track credit performance and arrears rates across the entire risk spectrum.
• Compliance:
  Ensure analysis and reporting adhere to regulatory, legal, and compliance standards (including Consumer Duty), maintaining a strong commitment to customer fairness.

You'll have previous experience of working in a Credit Risk or Data Analyst role and will be technically proficient; knowledge of SQL is essential for data extraction and manipulation, experience with Big Query, Python, or visualisation tools (e.g., Tableau, Power BI) is a plus.

You'll be dealing with a wide range of stakeholders up to our Senior Leadership team so strong communication skills are a must, and the ability to explain technical data concepts to non-technical colleagues.

If you’ve experience of working in the motor finance or non-prime lending market (including collections environments), that would be an advantage.

You’re a proactive problem solver, who can prioritise multiple tasks in a fast-paced environment. When an issue arises, you get involved and use your initiative to prioritise your work effectively under pressure and you have the ability to take a step back and analyse/understand the issue to ensure the correct next step is taken.

We are a privately-run family owned vehicle financing Company based on the outskirts of Northampton. We focus on customers with non-standard credit profiles that may not fit the automated underwriting processes of other lenders. Our mission is to help get all our people, including customers and staff “where they need to be” by “putting them at the heart of everything we do”.

We are entering an exciting phase of…