Senior Credit Analyst in Birmingham

Job Role:
Senior Credit Strategy Analyst Location:
Solihull, Manchester or Cardiff (with hybrid working) Salary:
£62,000 pa Hours:
35 hours per week About the company Our customers are at the heart of everything we do, but we cant achieve our customer focused strategy without the right people in our team. At Secure Trust Bank, we know that people are our biggest Asset, which is why a career with us is not just a job. Its the chance to be part of something bigger, to add real value to the Bank and help us constantly improve. We believe in giving our staff autonomy, with initiative and exceptional performance recognised through a variety of individual and team awards and incentives. All our employees have a tangible impact on the Groups core values, and we are looking for candidates who are enthusiastic, proactive and enjoy working in a fast paced environment. Why Join Us? A competitive salary and benefits package including discretionary bonus Matched pension contributions 25 days annual leave plus bank holidays and your birthday off, on us! A monthly wellbeing hour to spend doing whatever makes you happy A wide range of flexible benefits from Cycle2Work to private healthcare Life assurance Paid volunteering days and matched charity fundraising A collaborative and flexible working environment Opportunities for professional development and career progression A chance to make a real impact in a regulated, purpose-driven organisation
Join us at Secure Trust Bank Group and help shape the future of responsible lending At Secure Trust Bank were transforming how we make lending decisions through data, analytics and technology. Were building a modern Credit Strategy and Decision Science capability that combines commercial thinking, advanced analytics and automation to deliver better outcomes for our customers. What you`ll be doing As a
Senior Credit Strategy Analyst , youll play a key role in shaping lending decisions across our Consumer Finance portfolios. Youll have ownership of credit strategies, influence portfolio performance and work across both established and evolving lending propositions, helping us identify new opportunities and develop strategies that support responsible, sustainable growth. This is an opportunity for someone who enjoys solving complex business problems, taking ownership and helping shape the future direction of a growing lending business.
This is a hands-on strategy role focused on shaping lending decisions, not simply reporting on performance.
Own, develop and optimise credit risk strategies across the customer lifecycle. Lead analytical investigations to identify portfolio trends, risks and commercial opportunities. Support the ongoing optimisation of the V12 retail finance portfolio through data-driven strategy changes. Support the development of embedded finance propositions through robust credit strategy and analytical insight. Monitor portfolio performance and recommend strategy changes that improve customer and commercial outcomes. Produce high-quality analysis and recommendations for senior stakeholders. Use SQL, Python, SAS or similar analytical tools to solve business problems and automate processes. Work closely with Decision Scientists to understand predictive models and ensure strategies maximise model performance. Support junior analysts in their day-to-day analytical and risk management activities Collaborate with Finance, Product, Operations and Technology to deliver strategic initiatives. Continuously identify opportunities to improve processes, automation and customer outcomes.
Why This Role Matters Our Credit Strategy team sits at the heart of lending decisions, balancing commercial growth with responsible lending. Youll be trusted to own strategy, identify opportunities through analytics and work closely with Decision Science, Product, Finance and Operations to continuously improve customer outcomes and portfolio performance. As our lending propositions continue to evolve, youll have the opportunity to influence how we lend, manage risk and deploy increasingly sophisticated analytical and decisioning capabilities. What we`re looking for
Degree (or equivalent experience) in Mathematics, Statistics, Economics, Data Science, Computer Science, Engineering or another quantitative discipline. Extensive experience in Credit Risk Strategy, Portfolio Analytics or Decision Science. Experience developing and optimising credit strategies within consumer lending. Strong understanding of portfolio management, underwriting strategies and customer lifecycle optimisation. Experience using Credit Reference Agency data and decisioning systems. Strong SQL skills with experience in SAS, Python or similar analytical tools. Experience producing insight for senior stakeholders and influencing business decisions. Excellent analytical and problem-solving skills. Experience across unsecured consumer lending, personal loans, retail finance or other consumer credit products would be advantageous. Experience supporting new lending propositions, product launches, partnerships or new distribution channels would be beneficial. Experience assessing new credit opportunities and translating analysis into practical lending strategies would be advantageous. Everyone is different. Everyone is valued As part of our vision to become the most trusted specialist lender in the UK, weve been helping customers and businesses fulfil their ambitions since 1952. In that time, weve learned that were more than the sum of our parts. Were a strong Group because of our people being our strength; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate. Every one of our employees brings unique talent, ability and perspective to their role. Thats why Secure Trust Bank Group nurtures differences. We understand that we perform better because were not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are. Were an award-winning bank providing savings accounts and lending services to over one million customer. Were Secure Trust Bank Group. We embrace difference.
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