Full job description

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