About You. Have you previously worked in a Credit Risk or Data Analyst role? Do you have a strong working knowledge of SQL? Does the idea of joining a company who are undergoing a genuinely exciting period of change and growth appeal? About The Role. We're seeking an inquisitive and technical Credit Risk Analyst to join our growing team. The ideal candidate will have experience in an analytical role and will bring a strong, data-driven approach to credit risk management. Experience within motor finance, non-prime lending, or collections and recoveries would be highly advantageous. In this role, you will support our lending decisions, helping to balance growth objectives with the financial health of our business. Your responsibilities will include deep-dive data analysis to support decision-making processes and drive automation. You will use your technical expertise to ensure our strategies align with strong credit outcomes, leveraging data-driven insights to navigate the dynamics of the motor finance market. You will join a growing Credit Risk Analytics Team, promoting a culture of growth, precision, and operational excellence. We are looking for someone who loves the detail but also possesses the solid communication skills required to present complex findings to senior stakeholders clearly and effectively. This is a pivotal position ideal for an individual passionate about data, capable of translating raw numbers into actionable insights, and who is eager to develop their career in a dynamic setting. What You'll Do. Support Credit Strategy: Analyse data to help optimise and enhance our credit risk, affordability, and collections strategies. Collections & Recoveries Analysis: Assess the performance of collections activities and asset recovery processes to identify opportunities for efficiency and loss reduction. Data Analysis: Utilise SQL to extract and manipulate large datasets, providing the evidence base for best-in-class decision-making frameworks. Performance Monitoring: Monitor portfolio quality across risk tiers and channels, identifying early indicators of trends or deterioration. Collaboration: Work closely with the wider credit risk team to support the innovation of credit and affordability strategies through practical analytics. Process Improvement: Assist in developing efficient processes that strike a balance between customer outcomes, operational efficiency, and business objectives. Reporting: Produce regular reporting to track credit performance and arrears rates across the entire risk spectrum. Compliance: Ensure analysis and reporting adhere to regulatory, legal, and compliance standards (including Consumer Duty), maintaining a strong commitment to customer fairness. Your Background and Experience You'll have previous experience of working in a Credit Risk or Data Analyst role and will be technically proficient; knowledge of SQL is essential for data extraction and manipulation, experience with Big Query, Python, or visualisation tools (e.g., Tableau, Power BI) is a plus. You'll be dealing with a wide range of stakeholders up to our Senior Leadership team so strong communication skills are a must, and the ability to explain technical data concepts to non-technical colleagues. If you’ve experience of working in the motor finance or non-prime lending market (including collections environments), that would be an advantage. You’re a proactive problem solver, who can prioritise multiple tasks in a fast-paced environment. When an issue arises, you get involved and use your initiative to prioritise your work effectively under pressure and you have the ability to take a step back and analyse/understand the issue to ensure the correct next step is taken. About Billing Finance We are a privately-run family owned vehicle financing Company based on the outskirts of Northampton. We focus on customers with non-standard credit profiles that may not fit the automated underwriting processes of other lenders. Our mission is to help get all our people, including customers and staff “where they need to be” by “putting them at the heart of everything we do”. We are entering an exciting phase of transformation and as a small company, this role will offer the successful candidate the opportunity to work across the whole customer journey cycle, and to directly see the impacts that they made. Our values are: We are responsible – We are conscious of our impact on people and planet We care about you – We are kind and compassionate with our customers and with each other We work with you – We support financial wellbeing for our customers and the wider community The successful candidate will not only have a successful and fulfilling career with us but will also receive a fantastic range of benefits: Discretionary bonus scheme Electric Vehicle salary sacrifice scheme Pension salary sacrifice scheme Private Medical Income Protection Hybrid working Employee Assistance Programme Annual £200 personal growth fund Paid volunteering days The Recruitment Process and How We Will Use Your Data The recruitment process will involve obtaining information and/or exchanging it with the following organisations to assist with our pre-employment checks prior to interview. Credit Reference Agencies – to complete a soft credit check to understand your financial history CIFAS – to check both National and Internal databases for fraudulent activity. The personal information we have collected from you will be shared with Cifas who will use it to prevent fraud, other unlawful or dishonest conduct, malpractice, and other seriously improper conduct. If any of these are detected, you could be refused certain services or employment. Your personal information will also be used to verify your identity. Further details of how your information will be used by us and Cifas, and your data protection rights, can be found here https://www.cifas.org.uk/fpn. To complete these checks, you will be asked to provide your address history for the past six years, along with your full name and date of birth.