Full job description

Lead Credit Risk AnalystCardiff £60,000 - £70,000 This is an opportunity to join a growing lending business at a pivotal stage of its journey. You’ll play a key role in shaping credit strategy, improving automated decisioning, and influencing business-critical lending decisions, all within a collaborative environment where your ideas and recommendations will have real impact.The CompanyThey are an established UK consumer lending organisation with a strong data-driven culture and a focus on delivering fair customer outcomes. The business combines the stability of a successful financial services group with the agility of a growing lending function. With continued investment in technology, analytics, and decisioning capabilities, they offer an environment where innovation and continuous improvement are actively encouraged.The Role*Analysing approval, referral, arrears, and default trends to identify risks and performance opportunities
*Developing data-driven recommendations to improve credit strategies and business performance
*Enhancing automated decisioning processes and increasing operational efficiency
*Reviewing and optimising lending policies, scorecard cut-offs, and underwriting controls
*Monitoring the effectiveness of strategy changes and balancing growth, risk, and customer outcomes
*Producing management information, analysis, and insights for key stakeholders
*Working closely with Product, Underwriting, Commercial, and Decisioning teams to deliver strategic initiatives
*Supporting the implementation of strategy changes within decisioning systems
Your Skills & Experience*Strong commercial experience in credit risk strategy within consumer lending
*Experience optimising acceptance strategies, lending limits, underwriting policies, or scorecard performance
*Strong analytical skills with SQL
*Python experience is advantageous
*Experience turning complex data into clear, actionable recommendations
*Excellent communication and stakeholder management skills
*Ability to influence decisions across both technical and non-technical audiences
*A commercial mindset with a strong understanding of risk management principles
What They Offer*£60,000 - £70,000 base salary, with flexibility for exceptional candidates
*Annual bonus
*Dedicated training and development support
*Collaborative culture with direct access to senior stakeholders and decision-makers
*Team socials and networking opportunities
*Strong opportunities for career progression as the business continues to grow
*Comprehensive benefits package