Credit Risk Analyst

The Role

At Next we have a great opportunity for an analyst to join our growing Credit and Risk team as a Credit Risk Analyst   NEXT is one of the biggest retailers in the UK, and over 40% of customers who shop online with us do so using one of our own branded credit accounts.  The Credit and Risk team are responsible for analysing all aspects of this lending, which covers 3 million customers with a total of £1.3B outstandings, 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 credit customers and designing, testing and implementing strategy changes to help support growing our business.

This is a brilliant opportunity for someone who has experience in data analytics, or has worked in credit and risk before, has a real curiosity about solving business problems and is looking for the next step in their career in data analysis. 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  to deliver great products for our customers.

If you’re excited about using data to drive real business impact, our Credit Risk Analyst role is a great place to develop your career within a growing business and well known brand!

What You Will Take On

• 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 lending strategies. 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.

What You Will Do

• You will have 1-2 years experience of working in an analyst position (ideally in consumer lending / financial services) and have a highly numerate/analytical background

• Translate complex analysis into clear, concise and actionable insight, building a compelling story that helps stakeholders understand the key findings and make informed business decisions.

• 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. Familiarity with Databricks, Python and PowerBI are a bonus

• You will have strong verbal and written communication skills, to most effectively present your insights and gain buy-in to implement change

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