Senior Credit Risk Analyst

Senior Credit Risk Analyst Birmingham £50-57,000 This is a high impact Senior Risk Analyst role offering the chance to shape credit strategy at a pivotal moment of growth. You will play a central role in launching a major new retail finance partnership, working with large and complex datasets while influencing decisions at senior level. The environment is fast paced, collaborative and gives you genuine ownership over strategy and outcomes. The Company They are a well established consumer finance business operating at scale in the UK, backed by a large international financial group. The organisation combines the stability of a major institution with the agility of a fintech style culture. Teams work closely across functions, ideas move quickly into production, and data driven decision making sits at the heart of the business. The Role You will sit within Credit Risk, working closely with senior stakeholders across the business to design, deliver and optimise credit strategies. Key responsibilities include: Developing and enhancing acquisition and customer management strategies across unsecured lending products Designing policy rules, limits, pricing strategies, scorecards and affordability frameworks Using internal, credit reference agency and alternative data to drive insight and strategy Monitoring portfolio performance, identifying emerging risks and recommending actions Supporting the onboarding of a major new retail finance partnership from a risk perspective Presenting strategy changes and performance insights to senior risk committees Contributing to wider risk initiatives across customer management and collections Your Skills and Experience They are open minded on background and value attitude and curiosity as much as technical strength. You are likely to bring: Strong commercial experience within consumer credit risk or a closely related analytics function Hands on experience developing credit strategies, policy rules or scorecards Confidence working with large datasets and translating analysis into clear recommendations Experience using SQL or SAS, with a willingness to learn new tools including Python The ability to communicate effectively with both technical and non technical stakeholders Exposure to unsecured lending and UK credit markets What They Offer Salary up to £57,000 depending on experience Bonus, pension, private medical Exposure to high profile projects with real business impact Clear opportunities for progression and skill development within a growing risk function Supportive, collaborative team culture backed by a well resourced organisation