At a Glance
- Tasks: Lead credit risk strategy and optimise lending decisions using data-driven insights.
- Company: Market-leading consumer business with a strong financial services function.
- Benefits: Competitive salary, hybrid working model, and strong career development opportunities.
- Other info: Join a team of experienced professionals and work with large datasets.
- Why this job: Make a real impact on customer credit decisions in a collaborative environment.
- Qualifications: Experience in retail credit risk and advanced analytical skills required.
The predicted salary is between 59400 - 72600 £ per year.
Leicester (Hybrid, 1-2 days per week) | Up to £65,000
Are you a Credit Risk Analyst looking to take ownership of lending strategy within a large-scale consumer credit environment? This is an opportunity to join a highly established organisation with a significant lending portfolio, where you'll influence customer credit decisions, optimise commercial performance, and shape strategy through data-driven insights.
The Company
This organisation is a market-leading consumer business with a substantial financial services function supporting millions of customers. They operate a large-scale credit portfolio and use advanced analytics to drive responsible lending decisions and enhance customer outcomes. With continued investment in data and analytics, they offer a collaborative environment where analytical talent plays a central role in business decision-making. Based in Leicester, they offer a flexible hybrid working model.
The Role
As a Lead Credit Risk Analyst, you will sit within the existing customer strategy team, focusing on the ongoing management and optimisation of customer lending decisions.
- Developing and enhancing credit risk strategies for existing customers
- Analysing customer behaviour, spending patterns, and portfolio performance to identify opportunities and risks
- Making recommendations around credit limits, pricing, affordability, and interest rate strategies
- Designing and evaluating strategy changes through detailed analytical investigations
- Delivering insights and recommendations to stakeholders across risk and commercial functions
- Using data to balance customer outcomes, portfolio performance, and business growth
- Supporting the implementation and monitoring of lending strategies across the customer lifecycle
Your Skills & Experience
- Strong commercial experience within retail credit risk, consumer lending, or financial services
- Experience developing, influencing, or optimising credit risk strategies
- Background in existing customer, in-life, affordability, credit limit, pricing, or portfolio strategy analytics
- Advanced SQL skills for data extraction and analysis
- Experience with SAS and/or Python
- Strong analytical and problem-solving capabilities
- Ability to communicate complex findings clearly to both technical and non-technical stakeholders
- Experience working with large customer datasets and translating insights into business action
What They Offer
- Opportunity to lead impactful credit risk strategy initiatives
- Exposure to a large and sophisticated consumer lending portfolio
- Strong career development opportunities within an established analytics function
- Collaborative environment with access to experienced credit risk professionals
How to Apply
If you're an experienced Credit Risk Analyst looking to move into a highly visible strategy-focused role, please apply with your CV to discuss the opportunity in more detail.
Lead Credit Risk Analyst 198500 in Loughborough employer: Harnham
Join a leading UK-based media organisation at the forefront of digital transformation, where your role as Director of Streaming Product and Growth will be pivotal in shaping the future of their subscription services. With a strong emphasis on innovation and a collaborative work culture, you'll have access to significant growth opportunities, competitive salary packages, and a performance-based bonus structure, all while working in a dynamic environment that values data-driven decision making and customer-centric strategies.
StudySmarter Expert Advice🤫
We think this is how you could land Lead Credit Risk Analyst 198500 in Loughborough
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Harnham. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Lead Credit Risk Analyst 198500 in Loughborough
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Harnham.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Harnham's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Harnham
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Harnham.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Harnham will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Harnham employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
