Senior Credit Risk Analyst – Current Accounts & Overdraft

Senior Credit Risk Analyst – Current Accounts & Overdraft

Swindon, United Kingdom

Are you passionate about shaping responsible lending decisions and ensuring great customer outcomes? We are looking for individuals who are interested in taking the next step in their analytical career to join Nationwide’s Unsecured Credit Risk team and play a key role in driving forward the credit strategy and decisions across our Current Account and Overdraft portfolios.

As a Senior Credit Risk Analyst within the Current Account and Overdraft team, you will be at the heart of credit risk decision-making on one of Nationwide’s core portfolios, helping to ensure our lending strategies support key product propositions including our basic, main account and exciting growth areas in youth and student accounts.

You will ensure that our overdraft lending remains within risk appetite and regulatory expectations, and most importantly, meets our members needs.

You should be comfortable working on and leading a wide range of projects, setting an example and coaching analysts, working with large data sets to pull out trends, as well as explaining complex problems in a simple way. You’ll relish the chance to engage with senior leaders across the business and be prepared to think of the bigger picture and challenge existing processes.

This is an exciting opportunity for a credit risk professional who combines strong analytical thinking with excellent judgement, stakeholder management and a passion for continuous improvement. You will help drive the credit risk strategy and lending approach on key current account portfolios, ensuring we continue to lend responsibly while supporting our members’ financial needs.

If you thrive in a collaborative environment, enjoy influencing outcomes at a strategic level, and want to make a real impact within the UK's largest building society, we'd love to hear from you.

About the Team

At Nationwide, our members are at the heart of everything we do. The Unsecured Credit Risk team helps ensure we lend responsibly across our Credit Card, Personal Loan and Current Account products. The team manages credit risk, maintains lending policies and governance, and provides expert advice to support safe, sustainable growth.

The Current Account & Overdraft team is responsible for managing the credit risk of the Current Account and Overdraft portfolios, including designing effective new lending strategies, ensuring lending granted remains within risk appetite and regulatory expectations, and most importantly, meets our members needs with good customer outcomes.

Impact on Our Members

The work of this role directly supports Nationwide’s ability to lend responsibly and fairly. By developing credit strategies that are effective, compliant and aligned to risk appetite, you will be contributing to delivering the right outcomes for members, protecting them from harm, and maintaining the long-term financial strength of the Society. By supporting our key current account products, you will be part of a wider team that ensures we have a range of accounts that meet member needs across all life stages from our award-winning youth and student propositions through to our main range of current accounts.

We are happy to consider flexible working approaches to help you perform at your best.

At Nationwide we offer hybrid working wherever possible. More rewarding relationships are supported through our hybrid approach, bringing colleagues together across our UK wide estate, whilst also supporting generous access to home working. We value our time in the office to solve problems, to learn, and to feel connected.

For this job you ll spend at least two days per week, or if part time you ll spend 40% of your working time, based at our Swindon office. If your application is successful, your hiring manager will provide further details on how this works. You can also find out more about our approach to hybrid working here .

If we receive a high volume of relevant applications, we may close the advert earlier than the advertised date, so please apply as soon as you can.

Uncompromisingly Customer, whatever our role

The extras you’ll get

There are…