SENIOR CREDIT RISK ANALYST BIRMINGHAM | UP TO £57,000 + BONUS + BENEFITS This is an exciting opportunity to join a fast-growing consumer finance business in a highly visible credit risk role. You will play a key part in shaping credit strategy for a major new lending proposition, working with large-scale datasets and helping drive commercial growth while maintaining strong risk performance. THE COMPANY They are a well-established consumer finance lender operating in a fast-paced, technology-driven environment. Combining the agility of a FinTech with the stability and resources of a larger financial services group, they continue to invest heavily in their credit analytics and decisioning capabilities.The business is launching a significant new lending partnership, creating a unique opportunity to influence strategy from an early stage and work with a wide range of internal, external, and alternative data sources. THE ROLE * Develop and optimise acquisition and customer management credit strategies* Design and implement policy rules, credit limits, pricing strategies, and affordability frameworks* Utilise bureau, internal, and alternative data sources to drive lending decisions* Monitor portfolio performance and identify opportunities to enhance strategy effectiveness* Present recommendations and strategy changes to senior stakeholders and governance forums* Support onboarding strategy development for new lending propositions* Balance commercial growth objectives with regulatory and consumer duty requirements* Assess the impact of economic and market trends on portfolio performance YOUR SKILLS & EXPERIENCE * Strong experience within consumer lending credit risk, credit strategy, or risk analytics* Experience developing acquisition, underwriting, or customer management strategies* Knowledge of credit policy rules, scorecards, pricing, limits, or affordability modelling* Strong SQL, SAS, or Python skills* Ability to work with large datasets and translate analysis into commercial recommendations* Excellent stakeholder management and communication skills* Understanding of credit bureau data and the wider credit lifecycle* Experience within unsecured lending, retail finance, consumer finance, loans, or cards is advantageous WHAT THEY OFFER * Salary up to £57,000 depending on experience* Annual bonus scheme* Competitive benefits pa...
Senior Credit Risk Analyst in West Bromwich employer: Harnham - Data & Analytics Recruitment Careers
As a leading consumer retail organisation based in London, we pride ourselves on fostering a dynamic and inclusive work culture that champions innovation and collaboration. Our commitment to employee growth is evident through tailored development programmes and the opportunity to lead transformative digital initiatives, all while enjoying a competitive salary and bonus structure. Join us to be part of a forward-thinking team that values your contributions and empowers you to drive meaningful change in a rapidly evolving market.
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Harnham - Data & Analytics Recruitment Careers Recruitment Team
