Harnham
Lead Credit Risk Analyst 198500
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Lead Credit Risk Analyst
Leicester (Hybrid, 1-2 days per week) | Up to £65,000
Are you a Credit Risk Analyst looking to take ownership of lending strategy within a large-scale consumer credit environment? This is an opportunity to join a highly established organisation with a significant lending portfolio, where you'll influence customer credit decisions, optimise commercial performance, and shape strategy through data-driven insights.
The Company
This organisation is a market-leading consumer business with a substantial financial services function supporting millions of customers. They operate a large-scale credit portfolio and use advanced analytics to drive responsible lending decisions and enhance customer outcomes. With continued investment in data and analytics, they offer a collaborative environment where analytical talent plays a central role in business decision-making. Based in Leicester, they offer a flexible hybrid working model.
The Role
As a Lead Credit Risk Analyst, you will sit within the existing customer strategy team, focusing on the ongoing management and optimisation of customer lending decisions.
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Responsibilities include:
- Developing and enhancing credit risk strategies for existing customers
- Analysing customer behaviour, spending patterns, and portfolio performance to identify opportunities and risks
- Making recommendations around credit limits, pricing, affordability, and interest rate strategies
- Designing and evaluating strategy changes through detailed analytical investigations
- Delivering insights and recommendations to stakeholders across risk and commercial functions
- Using data to balance customer outcomes, portfolio performance, and business growth
- Supporting the implementation and monitoring of lending strategies across the customer lifecycle
Your Skills & Experience
- Strong commercial experience within retail credit risk, consumer lending, or financial services
- Experience developing, influencing, or optimising credit risk strategies
- Background in existing customer, in-life, affordability, credit limit, pricing, or portfolio strategy analytics
- Advanced SQL skills for data extraction and analysis
- Experience with SAS and/or Python
- Strong analytical and problem-solving capabilities
- Ability to communicate complex findings clearly to both technical and non-technical stakeholders
- Experience working with large customer datasets and translating insights into business action
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What They Offer
- Opportunity to lead impactful credit risk strategy initiatives
- Exposure to a large and sophisticated consumer lending portfolio
- Strong career development opportunities within an established analytics function
- Collaborative environment with access to experienced credit risk professionals
How to Apply
If you're an experienced Credit Risk Analyst looking to move into a highly visible strategy-focused role, please apply with your CV to discuss the opportunity in more detail.
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