Lead Credit Risk Analyst

Lead Credit Risk Analyst (FTC) London/Leeds - other locations available £60-80,000 dependent on location + experience This is a high impact portfolio analytics role where you will move beyond reporting to directly influence credit strategy and risk decisions. You will work closely with senior stakeholders, owning analysis that shapes how a large consumer credit portfolio is managed. The Company They are a UK based financial services organisation operating at scale within a regulated environment. Analytics plays a central role in decision making, with continued investment in data platforms and credit strategy. The culture is collaborative, pragmatic and focused on responsible growth. The Role Deliver portfolio monitoring and insight across a large consumer credit book. Analyse performance against forecasts and explain key drivers and variances. Provide clear recommendations that inform credit policy, scorecards and strategy. Partner with credit risk, forecasting and wider stakeholders to influence decisions. Support analysis across additional lending products where required. Your Skills and Experience Strong commercial experience in portfolio or credit analytics within consumer lending. Confident turning complex data into clear, actionable insight. Solid SQL capability with experience using SAS and advanced Excel. Understanding of impairment and how portfolio performance impacts the credit book. Comfortable operating in a regulated environment and challenging constructively. What They Offer Competitive salary with discretionary bonus and strong pension contribution. Hybrid working with flexible office attendance. Private medical insurance and a broad wellbeing focused benefits package. Exposure to senior stakeholders