At a Glance
- Tasks: Lead credit risk strategy and deliver impactful analysis in a dynamic lending environment.
- Company: Consumer-focused organisation committed to data-led decision making.
- Benefits: Salary up to £65,000, hybrid working, and strong development opportunities.
- Other info: Supportive culture focused on learning and career progression.
- Why this job: Make a real impact on credit risk strategies and collaborate with diverse teams.
- Qualifications: Experience in consumer credit risk and strong analytical skills required.
The predicted salary is between 65000 - 65000 £ per year.
This role offers the chance to take real ownership of credit risk strategy within a fast-evolving consumer lending environment. You will sit at a pivotal point between senior leadership and developing analysts, combining strategic influence with hands‑on analytical delivery across high-impact projects.
The Company
They are a consumer‑focused organisation with a large lending portfolio and a strong commitment to data‑led decision making. Credit risk plays a central role in shaping sustainable growth, with close collaboration across analytics, technology and commercial teams. The environment is supportive and ambitious, with a clear focus on learning, development and progression.
The Role
- Lead and evolve existing customer management and credit limit strategies across the lending book.
- Support the redesign of credit limit management and implementation of new behavioural scorecards.
- Deliver analysis to inform policy changes, decision system enhancements and customer limit adjustments.
- Design, analyse and interpret tests and experiments to balance risk, growth and customer outcomes.
- Produce portfolio analysis, MI and insight into wider customer trends.
- Work closely with stakeholders across credit and analytics, with flexibility to move into acquisition‑focused projects if of interest.
Your Skills & Experience
- Strong commercial experience in consumer credit risk within lending products such as cards, loans or mortgages.
- Demonstrated capability in acquisitions or existing customer management strategy, including limit or policy work.
- Experience contributing to or leading credit limit management initiatives.
- Strong analytical capability with SQL or a comparable analytical language.
- Clear communication skills with the ability to translate analysis into actionable insight.
What They Offer
- Salary up to £65,000 depending on experience.
- Hybrid working with 1 to 2 days per week in the West Midlands office and regular team collaboration days.
- Exposure to wide‑ranging, business‑critical projects with clear strategic impact.
- Strong opportunities for development, progression and movement across credit risk teams.
- A collaborative culture that actively supports learning and professional growth.
Lead Credit Risk Strategist (Hybrid Role) employer: Harnham
As a Lead Credit Risk Strategist, you will thrive in a dynamic and supportive environment that prioritises data-driven decision making and fosters professional growth. With a strong emphasis on collaboration across analytics, technology, and commercial teams, the company offers a hybrid working model that balances flexibility with regular team engagement in the West Midlands. Employees benefit from competitive salaries, exposure to impactful projects, and ample opportunities for career progression within a culture that champions learning and development.
StudySmarter Expert Advice🤫
We think this is how you could land Lead Credit Risk Strategist (Hybrid Role)
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those already working in credit risk. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Show off your analytical skills! Prepare to discuss your past projects and how you’ve used data to drive decisions. Bring examples of your work that highlight your ability to balance risk and growth.
✨Tip Number 3
Be ready for a hands-on approach! In interviews, demonstrate your strategic thinking by discussing how you would evolve existing credit limit strategies. Show them you’re not just a thinker but a doer.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Lead Credit Risk Strategist (Hybrid Role)
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Lead Credit Risk Strategist. Highlight your experience in consumer credit risk and any relevant projects you've led. We want to see how your skills align with our needs!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk strategy and how you can contribute to our team. Keep it engaging and personal – we love a bit of personality!
Showcase Your Analytical Skills:Since this role involves a lot of analysis, make sure to highlight your proficiency in SQL or any other analytical tools. Share specific examples of how you've used data to drive decisions in previous roles – we’re all about data-led decision making!
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It helps us keep track of applications and ensures you don’t miss out on any important updates. Plus, it’s super easy!
How to prepare for a job interview at Harnham
✨Know Your Credit Risk Stuff
Make sure you brush up on your knowledge of consumer credit risk, especially in lending products like cards and loans. Be ready to discuss specific strategies you've implemented or contributed to in the past, as this will show your hands-on experience and strategic thinking.
✨Showcase Your Analytical Skills
Since this role requires strong analytical capabilities, be prepared to talk about your experience with SQL or similar analytical languages. Bring examples of how you've used data to inform policy changes or customer limit adjustments, and don’t shy away from discussing any tests or experiments you've designed.
✨Communicate Clearly
This position sits at the intersection of leadership and analytics, so clear communication is key. Practice explaining complex analyses in simple terms, and think about how you can translate your insights into actionable strategies that stakeholders can understand and implement.
✨Demonstrate Collaboration Skills
Highlight your experience working with cross-functional teams, especially in credit and analytics. Share examples of how you've collaborated on projects, and express your enthusiasm for working in a supportive environment that values learning and development.
