At a Glance
- Tasks: Drive credit insights and automate reporting to influence strategic decisions.
- Company: Join a fast-growing, innovative company with a friendly culture.
- Benefits: Enjoy competitive pay, hybrid working, and real autonomy.
- Other info: Inclusive workplace committed to continuous improvement and diversity.
- Why this job: Make a tangible impact on credit decisions and business performance.
- Qualifications: Experience in credit analytics and strong data skills required.
The predicted salary is between 49500 - 60500 £ per year.
The Senior Credit Risk Analyst owns credit insight for a single business division.
This is a strategic, business partnering role: you are not here to run reports, you are here to decide what should be measured, build the means to measure it automatically, and then use it to change how the division makes credit decisions.
You will act as the credit voice inside your division.
Challenging commercial assumptions with evidence, setting the analytical agenda without being directed, and turning a portfolio of manual reporting into a small number of automated, trusted, decision-grade products.
Success in this role is measured by the decisions your work changes and the loss it prevents, not by the volume of reporting produced.
We will be happy to welcome you to our office in Crewe, with working hours from Monday to Friday from 8.30 am to 5 pm.
- Your daily responsibilities will be
- Business partnering.
Act as the embedded credit analytics partner for your division, working directly with operational, commercial and senior leadership teams to support portfolio performance, risk management and strategic decision-making.
- Set the analytical agenda.
Proactively identify, scope and prioritise analytical opportunities, emerging risks and performance improvement initiatives without relying solely on stakeholder requests.
Re-shape reporting.
Review and rationalise existing reporting, ensuring management information is focused on supporting business decisions and delivers measurable value.
- Automate.
Design and implement automated SQL and Tableau reporting and analytics solutions that reduce manual production, improve efficiency and data reliability, and enable analyst time to be focused on insight generation, interpretation and business impact rather than data assembly.
- Own the insight.
Deliver root-cause analysis, trend identification and predictive insights across portfolio performance, default rates, recoveries, bad debt and customer behaviour, presenting recommendations directly to stakeholders.
- Influence policy.
Contribute to the design of credit policy, limit setting etc. bringing divisional evidence into framework decisions.
Influence policy and strategy Provide analytical evidence to support credit strategy, policy development, risk appetite decisions and continuous improvement initiatives across the division., Global Female Health Policy & Female Health Champions
- Pregnancy Loss and Fertility Treatment Policies
- Endometriosis Friendly Employer (UK)
- Women-focused gym & female health events
- Mental Health First Aiders
- Disability Confident Committed Employer (Level 1)
- Race at Work Charter signatory
- Proud sponsor of Crewe Pride (5 years running) and Cheshire Pride Awards Corporate Supporter 2025
- Community network driving charity and volunteering initiatives, with 8 consecutive years of participation in the UK Challenge.
- Give as you earn scheme (payroll giving) and match funding
- Advanced SQL: able to design, optimise and document multi-stage queries and data models against a large warehouse independently, and to define the data structures others will build on.
- Advanced Tableau: able to architect dashboards and data sources from scratch, not only maintain existing ones, with a clear view of what belongs on a dashboard and what does not.
- Advanced Excel: able to build, stress-test and defend models used in decision-making.
- Proven ability to automate manual reporting processes end to end and demonstrate the time and risk saved.
- Strong commercial judgement: Able to interpret portfolio performance, identify key drivers and emerging risks, and translate complex data into clear recommendations that support operational and strategic decision making.
- Credibility with senior audiences and business partnering capability: Proven ability to build trusted relationships with stakeholders, influence business decisions through evidence-based, data-driven insight, and confidently present and defend findings and recommendations to divisional leadership.
- Self-directed and strategically focused: Able to identify opportunities for performance improvement, determine analytical priorities and deliver outcomes with minimal supervision.
- Strong grounding in credit and risk principles: exposure, default, recovery, provisioning and portfolio monitoring, and the judgement to apply them to live customer decisions.
- No specific formal qualifications are required; however, a degree in Data Analytics, Data Science, Mathematics, Statistics, Economics, Finance or a related discipline would be advantageous.
Significant experience delivering credit, risk, portfolio analytics or commercial analytics within a complex business environment is essential.
Candidates must be able to demonstrate a track record of influencing business decisions through data-driven insight, leading analytical projects, and delivering automation or process improvement initiatives.
This role is expected to lead analytical work and represent the department to divisional leadership.
What to expect from us?
- A friendly culture that reflects our proposition to customers.
- A fast-growing organization that defines itself as agile and innovative.
- A drive for continuous improvement, which will give you the opportunity to support from day one.
- A commitment to building a work environment that values inclusivity, innovation, agility and grit.
- And, of course, competitive pay, a potential bonus, and a good range of basic benefits including hybrid working, real autonomy and the chance to help build a new data science capability within Credit from the ground up.
Radius is an equal opportunities employer.
We are committed to welcome people regardless of age, disability, gender identity, race, faith or belief, sexual orientation or socioeconomic background.
We are committed to ensuring an inclusive and accessible recruitment process for all candidates.
If you require any adjustments or accommodations at any stage of the process, please let us know, and we will do our best to support you.
We reserve the right to close a vacancy before the closing date in the event of an overwhelming response or a change in business priorities.
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Credit Risk Analyst in Crewe employer: Radius Limited
Radius Limited is an exceptional employer located in Crewe, offering a dynamic work environment that fosters growth and innovation. With a strong focus on employee development, competitive salaries, and generous benefits such as 25 days of holiday and gym access, we prioritise the well-being and success of our team members. Join us to be part of a collaborative culture where your contributions directly impact our data-driven decision-making processes.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Analyst in Crewe
✨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 Radius Limited. 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 Credit Risk Analyst in Crewe
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 Radius Limited.
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 Radius Limited'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 Radius Limited
✨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 Radius Limited.
✨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 Radius Limited 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 Radius Limited 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.
