Lead Credit Risk Analyst

Working Pattern: Hybrid—typically a couple of days a week in the office. Flexible arrangements are considered to support work-life balance. A fear of losing your current working flexibility shouldn't hinder you from applying for new opportunities, which is why we aim to match your existing flexible working arrangements where possible.


What We Offer

Holidays: 25 days, increasing to 30 days with service
Pension: Up to 10% employer contribution
Family Leave: Enhanced maternity (post-probation) and 4 weeks paternity leave
Workations: Work abroad for up to 20 days a year (approved countries)
Volunteering: 2 paid days to support a charity of your choice
Learning & Development: Access to LinkedIn Learning for all colleagues
Financial Wellbeing: Free Snoop Premium subscription
Connection & Culture: Quarterly socials, in-person and virtual company updates
Healthcare: Option to join Private Medical Insurance
Bonus: Discretionary annual bonus

The Role

As a Lead Credit Risk Analyst, you’ll play a key role in shaping the future of our consumer credit within our unsecured portfolio—including loans and credit cards. Reporting directly to the Credit Risk Strategy Manager, you’ll be at the forefront of decision optimisation, using data-driven insights to fine-tune our lending strategies.

You’ll lead test-and-learn initiatives to evaluate and refine credit strategies, using data-driven insights to identify the most effective approaches. By closely monitoring performance and tracking key outcomes, you’ll ensure our lending decisions remain precise, responsible, and aligned with business goals—continually enhancing our credit risk framework.


As a Lead Credit Risk Analyst, you will:

Develop expert understanding of the customer management lifecycle, including all aspects of decisioning and customer touch points
Investigation and development of new data sources to be used for analysis and decisioning
Support business growth and portfolio profitability while ensuring a balance between risk, reward and responsible lending, and controlling credit quality and performance
Drive the optimisation of lending decisions through test and learn initiatives to identify champion strategies
Ensure lending decisions are accurate and appropriate through close tracking and monitoring
Perform inquisitive and innovative analysis and provide logical recommendations resulting in customer and /or business benefits
Devise, initiate and deliver complex analytical/data driven projects fully incorporating Customer and business implications throughout
Define analytical project phases, success criteria and timescales and drive projects through to implementation, managing the full project from end to end
Oversee and peer-review team changes, mentor Analysts/Senior Analysts, direct daily work without formal management duties
Deputise for manager as and when required

What We’re Looking For

5+ years' experience in an analytical role within consumer credit, exposure to Cards and Loans is essential
Proficiency in SAS, Python, or SQL (Advanced level required)
Extensive experience with decisioning systems and strategy optimisation
Strong background in Credit Analytics
Proven experience in scorecard cut-off setting and decline rule optimisation
The ability to leverage data to drive informed decision-making and shape business strategy