Transport Credit Risk Senior Analyst in Newport-On-Tay

End Date: Monday 22 June 2026

Salary Range: £44,901 – £49,890

Flexible Working: Hybrid Working, Job Share

Job Description Summary

Those who combine responsible lending with the automotive industry might find this engaging. Two credit risk analysts are needed to support £7bn of automated lending decisions per year. Analytics will help optimise credit strategies.

Job Description

JOB TITLE: Transport Credit Risk Senior Analyst

Salary: As per range

Location: Leeds – Wellington Place (Other locations: Chester, Cawley House, Edinburgh, Manchester, Newport)

Hours: Full‑time

Working Pattern: Hybrid – at least two days per week (40%) at an office site

About this opportunity

This role places employees at the forefront of responsible sustainable lending. The senior analyst will shape smarter credit decisions using advanced analytics and automated strategies, driving better outcomes for Personal and Business customers.

What you’ll be doing

• Use knowledge and analytics to improve credit decisions and maximise efficiency.
• Lead AI‑driven credit innovation – build understanding of AI capabilities and identify opportunities across consumer and business lending.
• Use data and systems to produce management information to inform key decisions.
• Perform high‑quality testing to ensure changes are implemented safely.

Why join us

Our pioneering, fast‑changing business is shaping finance as a force for good. You’ll have real impact and the chance to influence change towards our carbon zero goal by 2030.

What we’re looking for

• Strong numerical skills and qualifications – A‑Level or above.
• Analytical expertise – at least 12 months of experience using analytical software and coding (SAS, SQL, AI tools, Microsoft Office, especially Excel and PowerPoint).
• Knowledge of Risk and Change Management – understanding of credit risk and residual value risk and how we manage it.
• Effective communicator – can explain complex issues clearly to technical, non‑technical, junior and senior audiences, both verbally and non‑verbally.
• Enthusiasm for problem solving – a curious, creative, logical approach when data is insufficient.

And any of these would be great

• PowerBI experience.
• Coaching junior team members.
• Deputising for management and shaping initiatives.
• Experience in both personal and business lending.

Equal Opportunity and Inclusive Workplace

We offer reasonable workplace adjustments for colleagues with disabilities and guarantee interviews for candidates who meet the minimum criteria for the role with a disability, long‑term health or neurodivergent condition through the Disability Confident Scheme. We are committed to creating a diverse, inclusive environment where all colleagues can thrive and develop.

Benefits

• Generous pension contribution up to 15%.
• Annual performance‑related bonus.
• Share schemes including free shares.
• Benefits adaptable to lifestyle, such as discounted shopping.
• 28 days holiday plus bank holidays.
• Wellbeing initiatives and generous parental leave policies.

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