At a Glance
- Tasks: Lead credit risk strategy and deliver impactful analysis in a dynamic lending environment.
- Company: Consumer-focused organisation committed to data-driven 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 59576 - 70089 £ 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) in West Bromwich employer: Harnham
This company stands out as an exceptional employer, offering a dynamic and supportive environment where credit risk strategy is at the forefront of its consumer lending operations. With a strong commitment to employee development and a collaborative culture, team members enjoy opportunities for professional growth while working on impactful projects that shape the future of lending. The hybrid working model allows for flexibility, ensuring a healthy work-life balance while fostering teamwork in the West Midlands office.
StudySmarter Expert Advice🤫
We think this is how you could land Lead Credit Risk Strategist (Hybrid Role) in West Bromwich
✨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 Strategist (Hybrid Role) in West Bromwich
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.
