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- Tasks: Lead impactful credit risk analysis and influence key decisions in a large consumer credit portfolio.
- Company: Dynamic UK financial services organisation focused on responsible growth and analytics.
- Benefits: Competitive salary, discretionary bonus, hybrid working, and comprehensive wellbeing benefits.
- Other info: Opportunity to work with senior stakeholders and grow your career in a regulated setting.
- Why this job: Shape credit strategy and make a real impact in a collaborative environment.
- Qualifications: Strong experience in credit analytics, SQL skills, and ability to turn data into insights.
The predicted salary is between 60000 - 80000 £ per year.
This is a high impact portfolio analytics role where you will move beyond reporting to directly influence credit strategy and risk decisions. You will work closely with senior stakeholders, owning analysis that shapes how a large consumer credit portfolio is managed.
The Company
They are a UK based financial services organisation operating at scale within a regulated environment. Analytics plays a central role in decision making, with continued investment in data platforms and credit strategy. The culture is collaborative, pragmatic and focused on responsible growth.
The Role
- Deliver portfolio monitoring and insight across a large consumer credit book.
- Analyse performance against forecasts and explain key drivers and variances.
- Provide clear recommendations that inform credit policy, scorecards and strategy.
- Partner with credit risk, forecasting and wider stakeholders to influence decisions.
- Support analysis across additional lending products where required.
Your Skills and Experience
- Strong commercial experience in portfolio or credit analytics within consumer lending.
- Confident turning complex data into clear, actionable insight.
- Solid SQL capability with experience using SAS and advanced Excel.
- Understanding of impairment and how portfolio performance impacts the credit book.
- Comfortable operating in a regulated environment and challenging constructively.
What They Offer
- Competitive salary with discretionary bonus and strong pension contribution.
- Hybrid working with flexible office attendance.
- Private medical insurance and a broad wellbeing focused benefits package.
- Exposure to senior stakeholders.
Lead Credit Risk Analyst - 12 month FTC in London employer: Harnham
Contact Detail:
Harnham Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Lead Credit Risk Analyst - 12 month FTC in London
✨Tip Number 1
Network like a pro! Reach out to connections in the financial services sector, especially those who work in credit risk. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your SQL and analytics skills. Be ready to discuss how you've turned complex data into actionable insights in past roles. We want to see you shine!
✨Tip Number 3
Showcase your understanding of credit strategy during interviews. Bring examples of how you've influenced decisions in previous positions. This will demonstrate your ability to impact the portfolio management process.
✨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 Analyst - 12 month FTC in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Lead Credit Risk Analyst role. Highlight your experience in portfolio analytics and any relevant skills like SQL and SAS. We want to see how your background aligns with the job description!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk analysis and how you can contribute to our team. Keep it concise but impactful, showing us your personality and enthusiasm.
Showcase Your Analytical Skills: In your application, don’t forget to showcase your ability to turn complex data into actionable insights. We’re looking for someone who can influence credit strategy, so give us examples of how you've done this in the past!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates from our team!
How to prepare for a job interview at Harnham
✨Know Your Numbers
As a Lead Credit Risk Analyst, you'll be expected to handle complex data. Brush up on your SQL and Excel skills before the interview. Be ready to discuss specific examples where you've turned data into actionable insights, as this will show your analytical prowess.
✨Understand the Business
Familiarise yourself with the company's credit strategy and how it operates within a regulated environment. Research their portfolio management practices and be prepared to discuss how your experience aligns with their needs. This shows that you’re not just interested in the role, but also in the company’s mission.
✨Prepare for Stakeholder Engagement
Since you'll be working closely with senior stakeholders, think about how you can effectively communicate complex analyses. Prepare examples of how you've influenced decisions in the past and be ready to demonstrate your collaborative approach. This will highlight your ability to partner with others.
✨Showcase Your Problem-Solving Skills
Be prepared to discuss challenges you've faced in previous roles, particularly around credit risk and portfolio performance. Think of specific instances where you provided clear recommendations that led to positive outcomes. This will illustrate your critical thinking and problem-solving abilities.