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- Tasks: Shape credit risk strategies for a major new consumer finance product.
- Company: Dynamic UK consumer lender with strong retail partnerships.
- Benefits: Competitive salary, collaborative culture, and access to rich datasets.
- Other info: Fast-paced environment with opportunities for quick implementation of ideas.
- Why this job: Make a real impact on product launches and business performance.
- Qualifications: 3+ years in credit risk, strong analytical skills, and stakeholder communication.
The predicted salary is between 47000 - 57000 £ per year.
A UK consumer lender backed by a large international financial services group. Operates in a fast‑moving, product‑led environment with strong links to major retail partners. Known for combining scale, data access and governance with agile ways of working.
This is a senior individual contributor role within a credit risk function supporting the launch and ongoing optimisation of a major new consumer finance product. You'll play a key part in shaping acquisition and onboarding strategies while working closely with senior stakeholders across the business.
Responsibilities:- Developing and enhancing acquisition, onboarding and credit policies across unsecured lending products.
- Building and refining scorecards, affordability models, limits and pricing strategies.
- Using bureau, internal and alternative data sources to inform risk decisions.
- Supporting end‑to‑end strategy delivery across the credit lifecycle, including exposure management and collections.
- Preparing and presenting analysis and recommendations to senior risk forums and committees.
- 3+ years’ experience within credit risk, analytics or strategy in a consumer lending environment.
- Strong understanding of the UK credit market, ideally within unsecured lending products.
- Experience working with credit data to develop or support scorecards, policies or risk strategies.
- Confident stakeholder communicator, able to explain analytical outputs to non‑technical audiences.
- Hands‑on experience with SQL and/or SAS, with a willingness to learn new tools such as Python.
- Opportunity to work on a high‑impact new product launch with access to large‑scale, rich datasets.
- Fast‑paced environment where ideas and strategy changes can be implemented quickly.
- Exposure to senior stakeholders and visible contribution to business performance.
- Supportive, collaborative team culture with strong knowledge sharing.
- Competitive salary and benefits package.
Senior Credit Risk Analyst in Solihull employer: Harnham
Contact Detail:
Harnham Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst in Solihull
✨Tip Number 1
Network like a pro! Reach out to connections in the credit risk field, especially those who work at companies you're interested in. A friendly chat can lead to insider info and even referrals.
✨Tip Number 2
Prepare for interviews by brushing up on your SQL and SAS skills. Be ready to discuss how you've used data to shape credit policies or strategies in your previous roles. Show them you’re the right fit!
✨Tip Number 3
Don’t underestimate the power of a follow-up! After an interview, drop a quick thank-you email to express your appreciation and reiterate your enthusiasm for the role. It keeps you fresh in their minds.
✨Tip Number 4
Apply through our website! We love seeing applications directly from candidates who are keen on joining us. Plus, it gives you a better chance to stand out in the crowd.
We think you need these skills to ace Senior Credit Risk Analyst in Solihull
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Credit Risk Analyst role. Highlight your experience in credit risk, analytics, and strategy, especially in consumer lending. We want to see how your skills align with what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about this role and how your background makes you a perfect fit. Don’t forget to mention your experience with SQL or SAS, as well as your willingness to learn new tools like Python.
Showcase Your Stakeholder Communication Skills: Since you'll be working closely with senior stakeholders, it's important to demonstrate your communication skills. In your application, give examples of how you've effectively communicated complex analytical outputs to non-technical audiences in the past.
Apply Through Our Website: We encourage you to apply through our website for the best chance of getting noticed. It’s super easy, and you’ll be able to submit all your documents in one go. Plus, we love seeing applications come directly from our site!
How to prepare for a job interview at Harnham
✨Know Your Numbers
As a Senior Credit Risk Analyst, you'll be expected to have a solid grasp of credit data and analytics. Brush up on your knowledge of scorecards, affordability models, and risk strategies. Be ready to discuss specific examples from your past experience where you've successfully used data to inform decisions.
✨Stakeholder Communication is Key
You'll need to communicate complex analytical outputs to non-technical audiences. Practice explaining your previous projects in simple terms. Think about how you can convey your insights clearly and effectively to senior stakeholders, as this will be crucial in your role.
✨Show Your Adaptability
This company operates in a fast-moving environment, so highlight your ability to adapt to change. Share examples of how you've quickly implemented new strategies or tools in your previous roles, especially if you've worked with SQL, SAS, or are learning Python.
✨Prepare for Scenario Questions
Expect scenario-based questions that assess your problem-solving skills in credit risk. Prepare by thinking through potential challenges you might face in the role and how you would approach them. This will demonstrate your strategic thinking and readiness for the position.