Let us tell you a bit about the opportunity
As our Credit Portfolio Lead Analyst, you’ll be the strategic expert on motor finance portfolio performance. You’ll design and oversee analytical frameworks across the credit lifecycle, ensuring resilience through changing economic conditions. Acting as a trusted advisor to Executive stakeholders, you’ll translate complex risk insights into commercial strategy that drives sustainable growth while staying fully aligned with our risk appetite.
To act as an ambassador of the Bank’s vision to; Back more people to go for it in life and in business.
What will your day look like?
* Design and manage the end-to-end portfolio framework, integrating predictive and prescriptive analytics.
* Develop advanced risk segmentation and machine learning models to identify growth opportunities and emerging risks.
* Oversee stress testing, scenario modelling, and early warning systems to ensure portfolio resilience and capital adequacy.
* Define analytical standards for FCA compliance, Consumer Duty, and fair outcomes across all credit models.
* Advise and influence senior stakeholders, translating complex risk data into actionable commercial strategy.
* Lead cross-functional initiatives, audits, and high-impact projects while maintaining robust risk governance.
What do we expect from you?
Essential:
* Extensive experience in Credit Risk and Portfolio Analytics, influencing high-level business strategy.
* Deep understanding of macroeconomic drivers and credit performance (Arrears, PD, LGD, EAD).
* Strong ability to persuade and influence senior stakeholders in complex or high-pressure situations.
* Expert knowledge of UK regulatory requirements, including FCA rules and Consumer Duty, applied in analytics.
Desirable:
* Proficiency in SAS, SQL, or Python, with experience building scalable analytical frameworks.
* Specialist knowledge of motor finance, including residual value risk and vehicle depreciation cycles.
What can you expect from us?
* A hybrid working policy, 2 days per week onsite in our Cardiff office
* A friendly and flexible culture, the same as how we work with our customers.
* A growing organisation that means there’s lots of opportunities to progress
* A drive for continuous improvement, which you will be empowered to get behind from day one.
* And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.
Still curious?
Join us and we’ll make the same promises to you as a colleague, as we do to each of our customers. We’re committed to building a working environment that values respect, diversity, and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you’re pregnant or on family leave.
Please note that we have a thorough referencing process, which includes criminal record checks.