Full job descriptionLEAD CREDIT RISK ANALYST
£65,000 - £70,000 | CardiffJoin a growing lending business at an exciting stage of its evolution, where you’ll have the opportunity to shape credit strategy within a fast-growing portfolio. This is a highly visible role offering direct exposure to senior stakeholders, significant ownership, and the chance to make a tangible impact on customer outcomes, portfolio performance, and business growth.
THE COMPANYThis established financial services business is continuing to invest in and expand its consumer lending products. Operating within a collaborative and data-driven environment, the business combines the stability of a well-established organisation with the agility and pace of a growing lending portfolio.As part of a wider transformation programme, the company is enhancing its decisioning capabilities, refining its credit strategies, and investing heavily in automation. This role offers the opportunity to play a key part in that journey.THE ROLE*Analyse approval, referral, arrears and default trends to identify key performance drivers and emerging risks
*Develop and optimise credit risk strategies to support sustainable portfolio growth
*Identify opportunities to improve automated decisioning processes and reduce manual referrals
*Review and enhance lending policies, underwriting controls and scorecard cut-offs
*Partner with Product, Underwriting, Commercial and Decisioning teams to influence business decisions
*Monitor the performance of strategy changes and provide recommendations for continuous improvement
*Present data-driven insights and recommendations to both technical and non-technical stakeholders
*Play a key role in a major transformation programme focused on improving customer outcomes and operational efficiency

YOUR SKILLS AND EXPERIENCE*Strong commercial experience within Credit Risk Strategy
*Experience within motor finance, consumer lending, personal loans or a similar lending environment
*Experience improving acceptance strategies, lending limits, underwriting controls and decisioning rules
*Advanced SQL skills
*Strong analytical skills with the ability to translate data into actionable business recommendations
*Excellent stakeholder management and communication skills
*Experience presenting insights to senior audiences
*Python experience is advantageous but not essential
*UK lending experience is required
*Previous scorecard modelling experience would also be beneficial

SALARY AND BENEFITS*£65,000 - £70,000 base salary
*Annual bonus
*Hybrid working with Cardiff office attendance once or twice per week
*Sponsorship available for the right candidate
*Pension scheme
*Dedicated training and development budget
*Book purchasing scheme
*Regular team socials and collaborative working environment
*Strong opportunities for career development and progression

HOW TO APPLYPlease register your interest by sending your CV to Rachael through the ’Apply’ link.