Senior Credit Risk Strategy Analyst
* Salary: up to £55,000 + excellent benefits
* Hybrid - Cardiff (1-2 days per week in the office)
We're looking for an experienced
Senior Credit Risk Strategy Analyst
to join a growing, ambitious financial services business. This role is all about shaping and optimising the
credit acquisition strategies
- ensuring responsible lending, growing sustainably, and delivering great outcomes for customers.
What you'll be doing
* Take ownership of the
monthly portfolio performance cycle
* analyse results, spot trends, and propose strategy changes.
* Refine
credit decisioning strategies
at acquisition stage (scorecards, policy rules, affordability).
* Produce clear, actionable MI and reports for stakeholders.
* Collaborate closely with risk, pricing, product and operations teams to ensure strategies align with business goals.
* Play a key role in a
small, close-knit team
, with the opportunity to mentor junior analysts as the team grows.
What we're looking for
* Proven experience in
credit risk analysis or strategy
within retail/consumer lending
* Strong
SQL/data analysis skills
* Understanding of
credit risk KPIs
such as defaults, bad debt, and portfolio profitability.
* Ability to turn analysis into strategy and communicate findings clearly to stakeholders.
* Collaborative, personable team player who thrives in a fast-growing environment.
What's on offer
As well as a salary of up to
£55,000
, you'll enjoy a comprehensive package including:
* 33 days holiday rising to 38
(including bank holidays) + buy/sell options
* 6% pension
and
life assurance (x3 salary)
* Annual share scheme
* Colleague discounts (15% off insurance & breakdown cover)
* Moving home advance
&
travel season ticket loan
* Health & wellbeing support - free financial advice, health benefits etc…
* Loads of
L&D opportunities
, social events, and CSR initiatives
* Long service awards
Why join?
This is your chance to join a
growing team in an ambitious business
, where your insights will directly shape lending strategy across multiple products. You'll get real ownership, visibility, and the opportunity to develop your career in a supportive and collaborative environment.