At NEXT, our brand is evolving and expanding on an immense scale. As a leading retailer, over 40% of our online customers shop using our own branded credit accounts. The Credit & Risk team manages this lending activity, which supports 3 million customers with £1.3B in outstandings. We use data-driven insights to optimise our customer proposition and business profit.
What You Will Take On
* Lead Strategy Programmes: Own the day-to-day running of our Credit Limit management strategy programme to successfully optimise risk and growth.
* Drive Complex Analysis: Identify risks and opportunities in current processes by analysing multiple data sources and designing randomised control trials.
* Collaborate Across Business Functions: Serve as the subject matter expert on credit risk, working with multi-disciplinary teams to deliver commercial value while maintaining regulatory standards.
* Deliver Structured Recommendations: Build and present clear, data-backed insights to stakeholders to gain buy-in and implement meaningful change.
What You Will Bring
* Professional Experience: A proven background in a credit risk analytical role, specifically within consumer lending or financial services (such as banking or retail credit risk).
* Strategic Expertise: Solid experience building or influencing credit lending strategies. Familiarity with NPV modelling is highly advantageous.
* Technical Skills: Strong analytical capabilities with a track record of coding in SQL. Experience or familiarity with Databricks, Python, and PowerBI is beneficial.
* Communication: Exceptional verbal and written communication skills, with the ability to translate complex data into clear strategic recommendations.
* Mindset: A collaborative professional who thrives in a fast-paced environment and is motivated to build on success, learn from challenges, and push boundaries.
Hybrid Working
Hybrid working is on offer.
Benefits
* 25% off most NEXT, MADE*, Lipsy*, Gap* and Victoria's Secret* products (when purchased through NEXT)
* Company performance‑based bonus
* Sharesave scheme
* On‑site nursery available; OFSTED outstanding in all areas
* 10% off most partner brands & up to 15% off Branded Beauty
* Early VIP access to sale stock
* Access to fantastic discounts at our Staff Shops
* Restaurants with great food at amazing prices
* Access a digital GP and other free health and wellbeing services
* Free on‑site parking
* Financial Wellbeing – save, track and enhance your financial wellbeing
* Apprenticeship – grow and develop on the job whilst gaining a qualification
* Direct to Work – discount online and in‑store, collect your items the next day for free from your place of work or local store
* Support Networks – access to network groups to empower and celebrate each other
* Wellhub – discounted flexible monthly gym memberships, with apps, PT sessions and more
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