At a Glance
- Tasks: Analyse data to optimise our £1.3B credit portfolio and drive business insights.
- Company: Join Next, a leading FTSE-100 fashion retailer with a global presence.
- Benefits: Enjoy 25% off products, performance bonuses, and flexible working options.
- Other info: Collaborate with diverse teams and grow your career in a well-known brand.
- Why this job: Make a real impact using data in a dynamic and supportive environment.
- Qualifications: 2+ years in an analyst role with strong data analysis skills.
The predicted salary is between 36000 - 54000 £ per year.
About us
You know Next, but did you know we’re a FTSE-100 retail company employing over 35,000 people across the UK and Ireland? We’re the UK’s 2nd largest fashion retailer and for Kidswear we’re the market leader. At the last count we have over 500 stores, plus the Next Online and it’s now possible to buy on-line from over 70 countries around the world! So we’ve gone global!
Your role
Location: Head Office, Leicestershire (Hybrid working 1 day a week in the office)
Salary: Up to £45,000 base plus bonus & benefits
At Next we have a great opportunity for an analyst to join our growing Credit and Risk Analytics team within Finance. As a team, we are responsible for analysing and setting the lending strategy for all aspects of our £1.3B credit portfolio and using data to drive insight on how we can optimise our customer proposition and business profit. You’ll be at the heart of understanding our 3 million credit customers and designing, testing and implementing strategy changes to help grow our business.
This is a brilliant opportunity for someone who has great data analysis skills and a real curiosity about solving business problems. You may currently be in a similar role, or have a minimum of 2 years working in an insight based strategy role. You’ll need to be the kind of person who enjoys getting stuck into complex problems, confidently analysing a range of data using industry standard tools (e.g. SQL, Python, Databricks, Excel, PowerBI) and working on cross functional projects to deliver great products for our customers.
If you’re excited about using data to drive real business impact, our Credit & Risk Insight Analyst role is a great place to develop your career within a growing business and well known brand!
You will:
- Produce regular reporting and carry out ad hoc analyses. Comment on trends, adding value through contributing ideas and solutions to any problems or opportunities identified.
- Identify risks and opportunities in the current processes and rules through complex analysis, using multiple data sources.
- Collaborate with Senior Analysts within the team to deliver suitable portfolio strategies. This could be across contact centre, marketing, customer experience, and tech. Work towards becoming an expert on credit risk and data and represent the commercial value and regulatory aspects of lending activity.
- Build and present reporting and monitoring relating to credit risk at internal meetings where required.
About you
- You will have a minimum of 2 years experience of working in an analyst position (ideally in consumer lending / financial services) and have a highly numerate/analytical background.
- You will be a natural problem solver and enjoy working logically.
- You will have an eye for detail and the drive to get under the skin of complex business challenges, joining the dots across multiple sources of insight.
- You will enjoy working with a diverse multi-discipline team to deliver results at pace.
- You will have experience of working with SQL or Databricks; Python is a bonus.
- You will have strong verbal and written communication skills, to most effectively present your insights and gain buy-in to implement change.
This isn’t a checklist and we don’t expect you to tick every box, but a strong desire to learn fast, get stuck in and deliver value is essential. If you think that sounds like you, then we’d love to hear from you and find out if a career at Next could be your next great move!
Benefits
- 25% off most NEXT, MADE*, Lipsy*, Gap* and Victoria's Secret* products (*when purchased through NEXT)
- Company performance based bonus
- Sharesave scheme
- On-site Nursery available; OFSTED outstanding in all areas
- 10% off most partner brands & up to 15% off Branded Beauty
- Early VIP access to sale stock
- Access to fantastic discounts at our Staff Shops
- Restaurants with great food at amazing prices
- Access a digital GP and other free health and wellbeing services
- Free on-site parking
- Financial Wellbeing - Save, track and enhance your financial wellbeing
- Apprenticeship - Grow and develop on the job whilst gaining a qualification
- Direct to Work - Discount online and instore, collect your items the next day for free from your place of work or local store
- Support Networks - Access to Network Groups to empower and celebrate each other
- Wellhub - Discounted flexible monthly gym memberships, with apps, PT sessions and more
Conditions apply to all benefits. These benefits are discretionary and subject to change.
We aim to support all candidates during the application process and are happy to provide workplace adjustments when necessary. Should you need support with your application due to a disability or long-term condition, feel free to get in touch with us by email headoffice_careers@next.co.uk (please include 'Workplace Adjustments' in the subject line), or call us on 0116 284 2486 and leave a voicemail.
Apply Before: 01/26/2026
For further information, and to apply, please visit our website via the “Apply” button below.
Consumer Credit Insight Analyst employer: Next plc
Next is an exceptional employer, offering a dynamic work culture that fosters collaboration and innovation within the Credit and Risk Analytics team. With a strong focus on employee growth, we provide numerous opportunities for professional development, alongside attractive benefits such as a generous discount on products, a performance-based bonus, and access to health and wellbeing services. Located in Leicestershire, our hybrid working model allows for a balanced work-life integration, making Next a fantastic place to build a rewarding career.
StudySmarter Expert Advice🤫
We think this is how you could land Consumer Credit Insight Analyst
✨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 Next plc. 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 Consumer Credit Insight Analyst
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 Next plc.
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 Next plc'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 Next plc
✨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 Next plc.
✨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 Next plc 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 Next plc 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.
