Senior Credit Analyst – Unsecured Lending (Consumer Credit) in Halifax

Salary Range: £44,901 – £49,890.

Locations: Newport, Halifax, Chester.

Hours: Full-time, 35 hours per week.

Working Pattern: Hybrid – at least two days per week at an office site. Flexible working options and job share available.

What you will be doing?

In this role, you'll use data, insight and analytical thinking to support responsible lending and continuously enhance Consumer Credit strategies. You'll work confidently with complex datasets, using tools such as SAS and Excel within a robust control environment to explore performance, identify trends and uncover risks or optimisation opportunities across unsecured lending portfolios. You'll have responsibility for overseeing and developing credit strategies, ensuring they remain aligned to risk appetite, regulatory expectations and positive customer outcomes. This will involve monitoring portfolio performance, leading deep‐dive analysis and translating findings into clear, practical recommendations that balance risk, affordability, reward and commercial objectives. You'll regularly produce trusted, high‐quality reporting and insight to support senior decision‐making, and you'll work collaboratively with colleagues across Credit Risk, Product and Risk Infrastructure to safely deliver change and support growth. Sharing insights clearly will be key, whether you're presenting proposals to senior stakeholders or championing continuous improvement, automation and more effective ways of working.

What we're looking for:

• Around 2 years or more of practical experience using analytical or coding tools such as SAS and/or SQL, with confidence working in Excel and PowerPoint to analyse data and present insights clearly.
• A strong numerate foundation, gained through a numerate degree or equivalent quantitative experience.
• Experience in strategy development and portfolio analysis, working with large and complex datasets to interpret data thoughtfully and translate analysis into clear, actionable insight.
• Clear communication skills, with the ability to explain technical concepts and findings in an accessible way to different audiences.
• An organised approach to work, with the ability to manage priorities and adapt to change in a fast‐moving environment.
• A growth mindset, with an interest in learning, developing new skills and supporting the development of others.
• Experience mentoring, coaching or supporting less experienced analysts would be great.
• Exposure to consumer credit or unsecured lending environments would be great.
• Experience improving analytical processes, reporting or automation would be great.

We recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.

Benefits

• A generous pension contribution of up to 15%
• An annual performance‐related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 28 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

We also keep your data safe. We will only request sensitive information once you have been formally invited to an interview or accepted a verbal offer, and we will always explain what we need and why. We are committed to building a workforce that reflects the diversity of the customers and communities we serve, and to creating a truly inclusive workplace where all colleagues can thrive, learn and develop.