Senior Credit Risk Analyst – Credit Strategy
Birmingham (Hybrid: 3 days onsite) Consumer Lending Financial Services
Salary: Up to £60,000 plus Bonus (depending on experience)
Alexander Daniels' Credit & Risk division is proud to be recruiting this role on behalf of our client—a
globally recognised brand in consumer lending
within the financial services sector.
This is a high-impact opportunity for a
Senior Credit Risk Analyst
to join a forward-thinking Risk Analytics team and help shape credit strategy across a diverse UK lending portfolio. If you thrive on data, strategy, and visibility at the top—this is your next move.
What You'll Be Doing
You'll play a pivotal role in shaping how credit decisions are made across the business. From acquisition to customer management, you'll be responsible for:
* Designing and optimising credit strategies across cards, loans, retail and motor finance.
* Developing and validating scorecards, affordability models, pricing and limits strategies using CRA data.
* Presenting analytical insights and recommendations directly to senior stakeholders and risk committees.
* Monitoring portfolio performance, identifying emerging trends, and driving proactive solutions.
* Leading and mentoring junior analysts, ensuring high-quality outputs and timely delivery.
* Collaborating with Risk, Finance, Marketing, and Operations to deliver joined-up solutions.
* Supporting regulatory compliance while driving commercial performance.
What We're Looking For
We're looking for someone who combines technical depth with strategic thinking:
* Degree (or higher) in a quantitative field: Statistics, Maths, Computer Science, ML, AI.
* Strong coding skills in
SAS, SQL or Python
.
* Deep understanding of credit lifecycle, CRA data, and consumer lending risk.
* Experience in modelling, forecasting, and strategy development.
* Excellent communication and presentation skills—you'll be visible at the top.
* A proactive mindset with a passion for innovation and continuous improvement.
* Experience working with lending products such as cards, loans, retail or motor finance is a plus.
Why Join
This isn't just a job—it's a career accelerator. Our client is known for
promoting from within
, and this role offers a clear path to leadership and strategic influence. You'll be joining a business that values curiosity, collaboration, and continuous learning.
High-impact role with executive visibility
Hybrid working (3 days onsite in Birmingham)
Opportunity to lead, mentor, and grow
Amazing career progression opportunities
Strong internal mobility and development culture
Be part of a globally respected consumer finance brand
Supportive, inclusive team environment with real ownership
Ready to make your mark?
Apply now and help shape smarter, fairer credit strategies for the future.