Credit Oversight Lead in Cardiff

We are looking for a Credit Oversight Lead Analyst to join our Financial Risk team in Admiral Money. The team sits within the second line risk function and is responsible for providing independent oversight of credit risk across the business.

About Us: Admiral Money is the dynamic lending arm of Admiral Group, offering personal loans, motor finance, and homeowner loans since 2017. We’re building something special for our customers and are looking for curious, driven individuals ready to learn, take on challenges, and make an impact. We’re proud to be a certified Great Place to Work for over 25 years, with recognition for Women and Wellbeing. Our inclusive culture empowers everyone to Be You.

The role involves working closely with colleagues across the wider Financial Risk team, as well as first line credit and pricing teams, supporting a strong understanding of lending performance, early identification of emerging risks, and well-informed decision making through high-quality insight. The role plays a key part in delivering robust credit risk oversight through analysis, monitoring, reporting and challenge. Reporting into the Senior Credit Risk Manager, this is a great opportunity for someone with strong credit risk analytics experience who is keen to take a lead role in shaping how portfolio risk is monitored, challenged and communicated across the business.

What You’ll Be Doing:

• Leading second line credit portfolio monitoring, providing clear insight into performance, trends and emerging risks.
• Designing, maintaining and enhancing credit risk MI, dashboards and early warning indicators to support effective oversight.
• Conducting deep-dive and thematic reviews covering underwriting performance, strategy changes, portfolio segments, arrears, forbearance, concentrations and other key risk topics.
• Providing independent challenge to first line credit and pricing teams on portfolio performance, strategy outcomes and alignment with risk appetite and policy.
• Supporting the monitoring of credit risk appetite metrics and limits, highlighting deteriorating trends, potential breaches, and areas of concern.
• Producing high-quality analysis and commentary for risk committees and senior stakeholders, translating complex data into clear, decision-useful insight.
• Working closely with the Senior Credit Risk Manager to support strong credit risk policies, controls and governance.
• Sharing portfolio insight with Impairment teams to support a consistent understanding of credit performance and risk.
• Acting as a senior analytical reference point within the team, coaching others and quality-assuring analytical output where appropriate.

About You:

We’re looking for someone who combines strong technical and analytical capability with sound credit risk judgement, and who is confident providing effective second line challenge in a collaborative way.

Essential Skills And Experience:

• Experience working in credit risk analytics, ideally within retail or consumer lending.
• Strong analytical and data skills, including experience using SQL and/or Python.
• Proven experience analysing portfolio performance and turning data into clear insight and recommendations.
• A good understanding of core credit risk management techniques, including performance monitoring, segmentation, early warning indicators, and policy or strategy assessment.
• The ability to communicate complex analysis clearly to a range of stakeholders, including senior audiences.
• Experience working with, or providing challenge to, first line credit risk, pricing or portfolio teams.

Desirable Skills And Experience:

• Experience working within a second line risk or oversight function.
• Exposure to secured lending products such as mortgages or motor finance.
• Experience producing analysis or commentary for risk committees or formal governance forums.
• Experience coaching or reviewing the work of others in an analytical environment.
• A naturally curious mindset, with the confidence to explore issues in depth and identify practical actions.

Benefits:

Free shares up to £3,600 each year after one year of service; 33 days holiday (including bank holidays) at joining, increasing up to 38 days with tenure; option to buy or sell up to an additional five days of annual leave; recognitions for Women, Wellbeing and overall as a Great Place to Work; inclusive culture supporting growth, progress and impact.

As a Disability Confident Leader, candidates with a disability or long-term health condition who opt into the Disability Confident scheme will be considered fairly and proportionately for the selection process. If you need any adjustments or support with your application or during the recruitment process, just let us know.