Lead Credit Risk

Location: Leicester (Hybrid - 1 day per week in the office)

Salary: Up to £65,000 + Benefits

This is an exciting opportunity to join a leading consumer lending business as part of a growing Credit Risk function. Working within a collaborative team, you'll play a key role in shaping lending strategies, improving customer outcomes and supporting business growth through data-driven decision making. With a range of transformation projects underway, it's an excellent time to join a business investing heavily in its Credit Risk capability.

As a Lead Credit Risk Analyst, you will develop and optimise lending strategies across an existing customer portfolio, balancing commercial growth with responsible lending.

Key responsibilities include:

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• Develop and implement lending, affordability and credit limit strategies.
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• Analyse portfolio performance to identify risks and commercial opportunities.
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• Design and evaluate strategy tests to improve customer outcomes.
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• Deliver portfolio analysis, MI and customer trend reporting.
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• Work closely with modelling teams to implement strategic changes.
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• Support the rollout of a new behavioural scorecard and credit decisioning system.
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• Present strategic recommendations to senior stakeholders.
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• Collaborate across the wider business to deliver key Credit Risk projects.
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• Experience within Retail Credit Risk or Consumer Lending (e.g. credit cards, loans or mortgages).
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• Experience working on Existing Customer Management (ECM), acquisition or lending strategies.
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• Knowledge of credit limit management, affordability or pricing strategy.
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• Strong SQL skills.
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• Exposure to SAS or Python is advantageous.
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• Excellent analytical, communication and stakeholder management skills.
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• Salary up to £65,000.
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• Hybrid working (1 day per week in the office).
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• Opportunity to work on high-impact Credit Risk transformation projects.
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• Collaborative team with excellent learning and career progression opportunities.
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• Exposure to a broad range of Credit Risk initiatives and strategy work.
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Please register your interest by sending your CV to Max at Harnham via the Apply link on this page.