Senior Credit Risk Analyst

Senior Credit Risk Analyst

Hertfordshire (2 days)

£50,000 - £60,000

This is an excellent opportunity for a Senior Credit Risk Analyst to join a growing credit risk function where you can make a genuine impact across customer acquisition, credit strategy, portfolio performance, and risk optimisation. The role offers broad exposure, significant ownership, and the chance to help shape the future direction of a developing team.

The Company

They are a well-established financial services organisation operating within a regulated lending environment. Combining the stability of a larger group with the agility of a specialist team, they offer a collaborative and supportive culture where employees can make a visible impact. Following recent growth within their Credit Risk function, they are continuing to invest in data-driven decision making and risk strategy. This role offers the opportunity to contribute to key business decisions while developing your expertise across multiple areas of credit risk.

The Role

• Optimise customer acquisition and onboarding strategies using bureau data and credit risk insights
• Enhance and refine credit decisioning and affordability assessments
• Implement and improve scorecard-driven credit strategies
• Monitor portfolio performance and identify opportunities to improve risk outcomes
• Support IFRS9 and broader credit risk activities
• Produce management information, reporting, and analytical recommendations for senior stakeholders
• Collaborate with teams across credit, operations, compliance, and risk
• Lead analytical projects designed to improve customer outcomes and portfolio performance

Your Skills & Experience

• Strong commercial experience within Credit Risk Analytics or Credit Strategy
• Experience working on acquisition, onboarding, or customer decisioning strategies
• Hands-on experience using credit bureau data to support lending decisions
• Exposure to credit scorecards and strategy implementation
• Strong SQL skills
• Experience analysing large datasets and translating findings into business recommendations
• Excellent communication and stakeholder management skills

Desirable:

• SAS, Python, or Power BI experience
• Exposure to IFRS9, affordability, or portfolio analytics

What They Offer

• Salary of £50,000 - £60,000
• Hybrid working with 2 days per week in the office
• Broad exposure across multiple areas of credit risk
• Opportunity to develop a specialist area of expertise while maintaining varied responsibilities
• Clear career progression within a growing credit risk function
• Supportive and collaborative team environment