At a Glance
- Tasks: Lead credit strategy programmes and analyse data to optimise risk and growth.
- Company: NEXT, a leading retailer with a focus on innovation and customer experience.
- Benefits: Hybrid working, competitive salary, and opportunities for professional development.
- Other info: Join a dynamic team and thrive in a fast-paced environment.
- Why this job: Make a real impact on credit strategies that support millions of customers.
- Qualifications: Experience in credit risk analysis and strong analytical skills required.
The predicted salary is between 60000 - 80000 € per year.
The Role
At NEXT, our brand is evolving and expanding on an immense scale. As a leading retailer, over 40% of our online customers shop using our own branded credit accounts. The Credit & Risk team manages this lending activity, which supports 3 million customers with £1.3B in outstandings. We use data-driven insights to optimise our customer proposition and business profit. We are looking for an experienced professional to join us as a Lead Credit Risk Analyst. In this role, you will be at the heart of designing, testing, and implementing strategy changes that drive sustainable business growth.
What You Will Take On
- Lead Strategy Programmes: Own the day-to-day running of our Credit Limit management strategy programme to successfully optimise risk and growth.
- Drive Complex Analysis: Identify risks and opportunities in current processes by analysing multiple data sources and designing randomised control trials.
- Collaborate Across Business Functions: Serve as the subject matter expert on credit risk, working with multi-disciplinary teams to deliver commercial value while maintaining regulatory standards.
- Deliver Structured Recommendations: Build and present clear, data-backed insights to stakeholders to gain buy-in and implement meaningful change.
What You Will Bring
- Credit risk experience is essential for this position. We are looking for an analytical professional who can get under the skin of data to solve complex problems.
- Professional Experience: A proven background in a credit risk analytical role, specifically within consumer lending or financial services (such as banking or retail credit risk).
- Strategic Expertise: Solid experience building or influencing credit lending strategies. Familiarity with NPV modelling is highly advantageous.
- Technical Skills: Strong analytical capabilities with a track record of coding in SQL. Experience or familiarity with Databricks, Python, and PowerBI is beneficial.
- Communication: Exceptional verbal and written communication skills, with the ability to translate complex data into clear strategic recommendations.
- Mindset: A collaborative professional who thrives in a fast-paced environment and is motivated to build on success, learn from challenges, and push boundaries.
Hybrid working is on offer.
Lead Credit Risk Analyst in Leicester employer: Next Careers
At NEXT, we pride ourselves on being an exceptional employer that fosters a dynamic and inclusive work culture. As a Lead Credit Risk Analyst, you will not only have the opportunity to drive impactful strategies within a leading retail environment but also benefit from our commitment to employee growth through continuous learning and development. With a hybrid working model and a focus on collaboration, we empower our team members to thrive while making meaningful contributions to our evolving brand.
StudySmarter Expert Advice🤫
We think this is how you could land Lead Credit Risk Analyst in Leicester
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those at NEXT or similar companies. A friendly chat can open doors and give you insights that might just land you an interview.
✨Tip Number 2
Prepare for the interview by diving deep into credit risk strategies. Brush up on your SQL skills and be ready to discuss how you've used data to drive decisions. Show them you're not just a number cruncher but a strategic thinker!
✨Tip Number 3
Practice your storytelling! When discussing your past experiences, frame them in a way that highlights your impact on business growth and risk management. Make it relatable and engaging to keep the interviewers hooked.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search!
We think you need these skills to ace Lead Credit Risk Analyst in Leicester
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the Lead Credit Risk Analyst role. Highlight your credit risk experience and any relevant analytical skills. We want to see how your background aligns with our needs!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for this role. Share specific examples of your strategic expertise and how you've tackled complex challenges in the past.
Show Off Your Technical Skills:Don’t forget to mention your technical skills, especially in SQL, Databricks, Python, and PowerBI. We love data-driven insights, so give us a glimpse of how you’ve used these tools to make an impact in previous roles.
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and get you on our radar. Let’s make this happen together!
How to prepare for a job interview at Next Careers
✨Know Your Numbers
As a Lead Credit Risk Analyst, you'll need to be comfortable with data. Brush up on your key metrics and be ready to discuss how you've used data to drive decisions in previous roles. This will show that you can get under the skin of data and solve complex problems.
✨Showcase Your Strategic Mindset
Prepare examples of how you've influenced credit lending strategies in the past. Be specific about the outcomes of your strategies and how they contributed to business growth. This will demonstrate your strategic expertise and ability to deliver structured recommendations.
✨Brush Up on Technical Skills
Make sure you're familiar with SQL, Databricks, Python, and PowerBI. If you have any recent projects or experiences using these tools, be ready to discuss them. This will highlight your technical skills and show that you're equipped to handle complex analysis.
✨Communicate Clearly
Practice translating complex data into simple, actionable insights. During the interview, focus on how you can present your findings to stakeholders in a way that gains buy-in. Strong communication skills are essential for this role, so make sure you convey your ideas clearly.
