Lead Analyst – Credit Risk Portfolio Analytics & Forecasting £44K-£65K DoE and location Are you passionate about data-driven decision-making and eager to influence strategic outcomes? We're seeking a dynamic Lead Analyst to drive our credit risk analytics and forecasting initiatives for this consumer lending organisation. Location: Various including London, Hampshire or Yorkshire Type: Permanent, Full-time Work Pattern: Hybrid (typically 2 days/week in-office) with flexible arrangements to support work-life balance Your Mission As a Lead Credit Risk Analyst, you'll be instrumental in: Data Analysis & Insights: Leveraging advanced analytics tools (SAS, R, Python) to extract actionable insights on portfolio performance, risk exposure, and credit quality. Performance Monitoring: Tracking and assessing portfolio performance, developing reports to inform operational strategies and adjust forecasts. Forecasting Models: Designing and implementing advanced forecasting models for key portfolios (credit cards, loans, vehicle finance) to predict trends, risks, and opportunities. ️ Stakeholder Communication: Presenting findings and recommendations to senior management to influence strategic decisions. Collaboration: Working cross-functionally with teams in risk management, finance, product development, and operations to ensure alignment with business goals. Continuous Improvement: Enhancing portfolio monitoring, reporting, and forecasting methodologies to improve accuracy and decision-making. What We're Looking For Essential: ✅ 3 years’ experience in Credit Risk portfolio analysis or a related field within the consumer credit industry. Proficiency in advanced analytics tools (SAS, R, Python). Proven ability to lead and develop analytical teams, prioritize tasks, and provide strategic guidance. ️ Expertise in translating complex data into business insights and communicating findings effectively to non-technical and senior stakeholders. Ability to anticipate trends and adjust forecasting strategies based on emerging data and market conditions. Strong attention to detail and a passion for accuracy in performance monitoring. Desirable: Background in IFRS9 impairments. ️ Experience in developing, validating, or monitoring Credit Models (impairment, stress testing, forecasting). Ready to take the lead in shaping the future of credit risk analytics? Apply now and be part of a team that's driving change!