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

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

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

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

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