Credit Risk Analyst in Coventry

We are currently partnering with an award-winning organisation, who are looking to appoint a Credit Risk Analyst on a permanent basis. This will be a full-time position based in Coventry, with 2 days per week expected on site and 3 WFH and a salary of £35,000 - £40,000.

The ideal candidate will be highly self-motivated and have strong analytical and documentation skills, in particular data analysis as well as attention to detail.

Duties include (but are not limited to):

• Providing daily operational support to the Head of Credit in the management of the Retail portfolio
• Actively collaborating with cross-functional teams, including Collections, Finance, Underwriting and other stakeholders to improve end-to-end credit quality and drive remedial actions on high-risk accounts
• Conducting Monthly Management Reporting for Europe HQ
• Building and maintaining management information and risk dashboards on affordability, underwriting performance and key risk indicators
• Creating and putting into effect on the job training plans to help assist the credit and collections team reach full potential
• Maintaining policy and process optimisation by proposing and implementing changes to decision engine, credit policy and underwriting rules to balance approval rates with expected loss
• Contributing to forecasts, risk budgets and the calculation/validation of specific and general provisions
• Managing regulatory and investor reporting, including preparing monthly management packs, FCA affordability reports and historical securitisation data
• Recommending changes to Credit Policy to hit Underwriting SLA and maximise Accept Rates whilst maintaining Cost of Risk
• Conducting regular reviews with external suppliers such as Experian to assess performance of the underwriting scorecards
• Completing end to end model ownership from data extraction and feature engineering to validation and deployment
• Monitoring portfolio health by tracking delinquency, write-offs, arrears and overall cost of risk, as well as flagging deteriorating segments promptly
• Regularly assessing back testing results to monitor models and conduct performance analysis, recalibrating results when necessary
• Delivering predictability and control of bad debt performance to a planned level of loss
• Presenting in the bi-monthly Credit Committee to Senior Management Team on any related Credit topics
• Overseeing the performance of underwriters and collections agent with follow up coaching when required
• Assisting with the drafting and development of internal Credit and Collections procedures

Experience required:

• Excellent oral and written communication skills are essential together with proven complex analytical and decision‑making skills
• Strong analytical and documentation skills, in particular data analysis as well as attention to detail
• The ability to extract, engineer and analyse data to develop and validate scorecard models and pinpoint areas of strength or weakness
• The ability to ensure that all models adhere to internal standards and regulatory expectations through documentation and monitoring

Rewards and benefits:

• 26 days annual leave plus bank holidays
• Hybrid working (2 days per week in the office)
• Annual bonus

Working hours: 37.5 hours per week Monday – Friday, 9am‑5pm

Please note that you require recent experience to apply for this role.