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For Companies At a Glance
- Tasks: Analyse data to optimise lending strategies for our ÂŁ1.3B credit portfolio.
- Company: Join Next, a leading FTSE-100 retail company with over 35,000 employees.
- Benefits: Enjoy 25% off products, performance bonuses, and flexible working options.
- Why this job: Make a real impact using data while growing your career in a dynamic team.
- Qualifications: Minimum 2 years in an analyst role; experience with SQL or Python preferred.
- Other info: Hybrid working available; supportive environment for all candidates.
The predicted salary is between 36000 - 54000 ÂŁ 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 Kids wear 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
Job Title:Credit & Risk Insight Analyst
Location:Head Office, Leicestershire (Hybrid working 1 day a week in the office)
Salary:Up to ÂŁ45,000 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!
Responsibilities
- 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.
- Collaborating with Senior Analysts within the team to deliver suitable portfolio strategies. This could be across contact centre, marketing, customer experience, and tech. Working towards becoming an expert on credit risk and data and representing 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!
What’s next
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 Before10/01/2025
For further information, and to apply, please visit our website via the “Apply” button below.
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Credit & Risk Insight Analyst employer: Next Plc
Contact Detail:
Next Plc Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit & Risk Insight Analyst
✨Tip Number 1
Familiarise yourself with the tools mentioned in the job description, such as SQL, Python, and PowerBI. Consider taking online courses or tutorials to sharpen your skills, as demonstrating proficiency in these areas can set you apart from other candidates.
✨Tip Number 2
Network with professionals in the credit and risk analytics field. Attend industry events or join relevant online forums to connect with others who work in similar roles. This can provide valuable insights and potentially lead to referrals.
✨Tip Number 3
Prepare to discuss specific examples of how you've used data analysis to solve business problems in your previous roles. Being able to articulate your thought process and the impact of your work will demonstrate your analytical capabilities.
✨Tip Number 4
Research Next as a company and understand their credit portfolio and customer base. Tailoring your discussions during interviews to reflect your knowledge about their business can show your genuine interest and help you stand out.
We think you need these skills to ace Credit & Risk Insight Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in data analysis and insight-based strategy roles. Emphasise your familiarity with tools like SQL, Python, and Excel, as well as any specific achievements in previous positions that relate to credit risk or financial services.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Discuss how your analytical skills and problem-solving abilities align with the responsibilities of the Credit & Risk Insight Analyst position. Use specific examples to demonstrate your experience and how you can contribute to their team.
Showcase Your Analytical Skills: When detailing your experience, focus on specific projects where you used data to drive insights or solve complex problems. Highlight any cross-functional collaborations and the impact of your work on business outcomes, particularly in consumer lending or financial services.
Prepare for Potential Assessments: Be ready for possible assessments or tests that may evaluate your analytical skills and proficiency with relevant tools. Brush up on your SQL and Python skills, and be prepared to discuss how you approach data analysis and problem-solving in a business context.
How to prepare for a job interview at Next Plc
✨Showcase Your Analytical Skills
Be prepared to discuss your experience with data analysis tools like SQL, Python, and PowerBI. Bring examples of how you've used these tools to solve complex business problems, as this will demonstrate your capability to contribute effectively to the team.
✨Understand the Business Context
Familiarise yourself with Next's credit portfolio and the challenges it faces. Showing that you understand the industry and can identify risks and opportunities will impress the interviewers and highlight your genuine interest in the role.
✨Prepare for Scenario-Based Questions
Expect questions that ask you to analyse a hypothetical situation or data set. Practice articulating your thought process clearly, as this will showcase your problem-solving skills and ability to think critically under pressure.
✨Communicate Effectively
Strong verbal and written communication skills are essential for this role. Be ready to explain your insights in a clear and concise manner, and practice presenting your findings as if you were in an internal meeting to gain buy-in for your ideas.
