Posted 07 August, 2026
Lead Credit Risk Analyst
Harnham - Data & Analytics Recruitment
Leicester, ENG, GB
Full Time
Job Description
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\n Lead Credit Risk Analyst Leicester (Hybrid) | Up to £65,000\n
\n\n Are you a Credit Risk Analyst looking to take ownership of lending strategy within a large-scale consumer credit environment? This is an opportunity to join a highly established organisation with a significant lending portfolio, where you'll influence customer credit decisions, optimise commercial performance, and shape strategy through data-driven insights.\n
\n\n The Company\n
\n\n This organisation is a market-leading consumer business with a substantial financial services function supporting millions of customers. They operate a large-scale credit portfolio and use advanced analytics to drive responsible lending decisions and enhance customer outcomes. With continued investment in data and analytics, they offer a collaborative environment where analytical talent plays a central role in business decision-making. Based in Leicester, they offer a flexible hybrid working model.\n
\n\n The Role\n
\n\n As a Lead Credit Risk Analyst, you will sit within the existing customer strategy team, focusing on the ongoing management and optimisation of customer lending decisions.\n
\n\n Responsibilities include:\n
\n- \n
- Developing and enhancing credit risk strategies for existing customers \n
- Analysing customer behaviour, spending patterns, and portfolio performance to identify opportunities and risks \n
- Making recommendations around credit limits, pricing, affordability, and interest rate strategies \n
- Designing and evaluating strategy changes through detailed analytical investigations \n
- Delivering insights and recommendations to stakeholders across risk and commercial functions \n
- Using data to balance customer outcomes, portfolio performance, and business growth \n
- Supporting the implementation and monitoring of lending strategies across the customer lifecycle \n
\n Your Skills & Experience\n
\n- \n
- Strong commercial experience within retail credit risk, consumer lending, or financial services \n
- Experience developing, influencing, or optimising credit risk strategies \n
- Background in existing customer, in-life, affordability, credit limit, pricing, or portfolio strategy analytics \n
- Advanced SQL skills for data extraction and analysis \n
- Experience with SAS and/or Python \n
- Strong analytical and problem-solving capabilities \n
- Ability to communicate complex findings clearly to both technical and non-technical stakeholders \n
- Experience working with large customer datasets and translating insights into business action \n
\n What They Offer\n
\n- \n
- Opportunity to lead impactful credit risk strategy initiatives \n
- Exposure to a large and sophisticated consumer lending portfolio \n
- Strong career development opportunities within an established analytics function \n
- Collaborative environment with access to experienced credit risk professionals \n
\n How to Apply\n
\n\n If you're an experienced Credit Risk Analyst looking to move into a highly visible strategy-focused role, please apply with your CV to discuss the opportunity in more detail.\n
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