At a Glance
- Tasks: Shape lending strategy and optimise decision-making in a dynamic financial environment.
- Company: Join a reputable, forward-thinking organisation in the financial services sector.
- Benefits: High visibility role, continuous learning support, employee wellbeing initiatives, and long-term progression opportunities.
- Other info: Collaborative culture with exposure to senior leadership and governance committees.
- Why this job: Make a real impact on lending decisions and drive innovation in credit risk.
- Qualifications: Experience in Credit Risk Analytics and strong analytical skills required.
The predicted salary is between 50000 - 60000 € per year.
This is an opportunity to join a reputable, growing, and forward-thinking organisation, within the financial services sector. You'll be joining the business during an exciting period of evolution and growth. The role sits at the heart of the Credit Risk function, working closely with senior leadership to shape lending strategy, optimise decisioning, and support responsible, sustainable growth. You'll be trusted to challenge thinking, influence decisions, and continuously improve how lending decisions are made through data, insight, and commercial awareness. The environment is agile, collaborative, and commercially driven, offering genuine visibility and the opportunity to make a real impact.
What You'll Be Doing
- Credit Strategy & Decisioning
- Owning and optimising the credit decision engine, underwriting rules, and acceptance criteria
- Developing and refining scorecards and affordability models
- Driving smarter lending decisions aligned to risk appetite and FCA expectations
- Running structured test-and-learn strategies to improve performance and customer outcomes
- Supporting ongoing development of credit risk frameworks and lending strategies
- Portfolio & Risk Analysis
- Monitoring portfolio performance, arrears trends, and emerging risk indicators
- Producing meaningful MI and insight for senior leadership and governance meetings
- Supporting collections and account management strategies through behavioural analysis and segmentation
- Translating complex data into clear, commercially useful recommendations
- Data & Innovation
- Analysing internal and external data sources to improve risk assessment capability
- Exploring new technologies and industry developments including Open Banking and alternative credit data
- Supporting innovation within credit scoring and affordability assessment approaches
- Helping shape the future direction of the Credit Risk function
What They're Looking For
- Experience within Credit Risk Analytics in a consumer finance environment
- Strong understanding of decision engine optimisation and lending strategy
- Experience developing and monitoring scorecards
- Exposure to portfolio monitoring, arrears analysis, and performance reporting
- Confidence presenting findings and recommendations to senior stakeholders
- Knowledge of FCA regulations, particularly CONC and responsible lending
- Advanced Excel and strong analytical capability
- The ability to manipulate large datasets and turn data into actionable insight
What's In It For You?
- Opportunity to genuinely influence lending strategy and decision-making
- High visibility role with exposure to senior leadership and governance committees
- A collaborative and supportive culture
- Continuous learning and development support
- Employee wellbeing and financial wellbeing support
- Company pension
- Free parking
- Long-term progression opportunities within a growing specialist lender
Senior Credit Risk Analyst in Sheffield employer: OBR Group Limited
Join a dynamic and innovative financial services organisation that prioritises employee growth and collaboration. As a Senior Credit Risk Analyst, you'll have the chance to influence lending strategies and decision-making while working in an agile environment that values your insights and contributions. With a strong focus on continuous learning, employee wellbeing, and long-term career progression, this company offers a supportive culture where you can truly make an impact.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Risk Analyst in Sheffield
✨Tip Number 1
Network like a pro! Reach out to professionals in the financial services sector, especially those in credit risk. Use platforms like LinkedIn to connect and engage with them. You never know who might have the inside scoop on job openings or can refer you directly!
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of FCA regulations and decision engine optimisation. Be ready to discuss how you've used data to influence lending strategies in the past. Show them you're not just a number cruncher but someone who can drive real change!
✨Tip Number 3
When you get an interview, don’t just answer questions—ask them too! Inquire about their current credit risk frameworks and how they’re innovating in the space. This shows your genuine interest and helps you assess if the company aligns with your career goals.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re serious about joining our team. Don’t forget to tailor your CV and cover letter to highlight your experience in credit risk analytics and your passion for responsible lending.
We think you need these skills to ace Senior Credit Risk Analyst in Sheffield
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Senior Credit Risk Analyst. Highlight your experience in credit risk analytics and decision engine optimisation, as these are key areas for us. Use specific examples that showcase your skills and achievements.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Tell us why you're excited about this opportunity and how you can contribute to our growth. Mention your understanding of FCA regulations and how you've applied them in past roles to show you're the right fit.
Showcase Your Analytical Skills:We love data-driven insights! In your application, emphasise your ability to manipulate large datasets and turn them into actionable recommendations. Share any relevant projects where you've used advanced Excel or other analytical tools to make an impact.
Apply Through Our Website:Don't forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows us you’re keen on joining our team at StudySmarter!
How to prepare for a job interview at OBR Group Limited
✨Know Your Credit Risk Stuff
Make sure you brush up on your knowledge of credit risk analytics, especially in a consumer finance context. Be ready to discuss decision engine optimisation and lending strategies, as these are key areas for the role.
✨Showcase Your Analytical Skills
Prepare to demonstrate your advanced Excel skills and how you've manipulated large datasets in the past. Bring examples of how you've turned complex data into actionable insights that influenced decision-making.
✨Understand FCA Regulations
Familiarise yourself with FCA regulations, particularly CONC and responsible lending. Being able to discuss these regulations confidently will show that you understand the compliance landscape and its impact on lending strategies.
✨Engage with Senior Stakeholders
Practice presenting your findings and recommendations clearly and concisely. Think about how you can engage senior leadership during the interview, as this role requires influencing decisions and shaping strategies.
