Full job descriptionLEAD CREDIT RISK ANALYST
CARDIFF (HYBRID) | £60,000 - £70,000 + BONUS
This is an exciting opportunity for a Lead Credit Risk Analyst to join a growing lending business and take ownership of credit strategy across a retail lending portfolio. You’ll have the chance to influence key lending decisions, optimise portfolio performance, and work closely with senior stakeholders to shape the future direction of the credit function.
THE COMPANY
They are a well-established financial services organisation with a strong focus on data-driven decision making and customer outcomes. They continue to invest in analytics, technology, and innovative solutions to support sustainable growth, and are particularly keen on enhancing automated decisioning capabilities.
The business offers a collaborative and supportive culture where employees are encouraged to take ownership, challenge existing processes, and drive continuous improvement.
THE ROLE
* Lead the development and optimisation of credit policy across the portfolio
* Own lending criteria and decisioning strategies to balance growth, automation, and risk appetite
* Enhance referral and application funnel strategies to improve efficiencies and customer outcomes
* Monitor portfolio performance across approvals, arrears, defaults, recoveries, and profitability
* Conduct detailed portfolio analysis to identify emerging risks and commercial opportunities
* Use SQL and Python to analyse data and develop actionable credit risk insights
* Produce high-quality management information, reporting, and strategic recommendations for senior stakeholders
* Support the implementation of new products, data sources, and decisioning capabilities
YOUR SKILLS & EXPERIENCE
* Strong commercial experience within credit risk, credit strategy, or risk analytics
* Experience developing or optimising credit policy within a regulated consumer lending environment
* Strong understanding of underwriting strategies, portfolio monitoring, and credit risk controls
* Hands-on experience using SQL, Python desirable
* Ability to translate complex analytical findings into clear commercial recommendations
* Experience presenting insights and recommendations to senior stakeholders
* Exposure to decisioning systems, automation initiatives, or strategy implementation projects would be beneficial
WHAT THEY OFFER
* £60,000 - £70,000 base salary
* Annual bonus scheme
* Comprehensive benefits package
* Hybrid working model
* Exposure to high-impact strategic projects
* Opportunity to influence risk strategy and business performance
* Clear progression opportunities within a growing analytics and risk function
* Collaborative and supportive culture focused on professional development
HOW TO APPLY
Please register your interest by sending your CV through the Apply link.