This is an opportunity to join a reputable, growing, and forward-thinking organisation, within the financial services sector. You'll be joining the business during an exciting period of evolution and growth.
Find out exactly what skills, experience, and qualifications you will need to succeed in this role before applying below.
The role sits at the heart of the Credit Risk function, working closely with senior leadership to shape lending strategy, optimise decisioning, and support responsible, sustainable growth.
You'll be trusted to challenge thinking, influence decisions, and continuously improve how lending decisions are made through data, insight, and commercial awareness.
The environment is agile, collaborative, and commercially driven, offering genuine visibility and the opportunity to make a real impact.
What You'll Be Doing Credit Strategy & Decisioning
* Owning and optimising the credit decision engine, underwriting rules, and acceptance criteria
* Developing and refining scorecards and affordability models
* Driving smarter lending decisions aligned to risk appetite and FCA expectations
* Running structured test-and-learn strategies to improve performance and customer outcomes
* Supporting ongoing development of credit risk frameworks and lending strategies
Portfolio & Risk Analysis
* Monitoring portfolio performance, arrears trends, and emerging risk indicators
* Producing meaningful MI and insight for senior leadership and governance meetings
* Supporting collections and account management strategies through behavioural analysis and segmentation
* Translating complex data into clear, commercially useful recommendations
Data & Innovation
* Analysing internal and external data sources to improve risk assessment capability
* Exploring new technologies and industry developments including Open Banking and alternative credit data
* Supporting innovation within credit scoring and affordability assessment approaches
* Helping shape the future direction of the Credit Risk function
What They're Looking For
* Experience within Credit Risk Analytics in a consumer finance environment
* Strong understanding of decision engine optimisation and lending strategy
* Experience developing and monitoring scorecards
* Exposure to portfolio monitoring, arrears analysis, and performance reporting
* Confidence xsngvjr presenting findings and recommendations to senior stakeholders
* Knowledge of FCA regulations, particularly CONC and responsible lending
* Advanced Excel and strong analytical capability
* The ability to manipulate large datasets and turn data into actionable insight
What's In It For You?
* Opportunity to genuinely influence lending strategy and decision-making
* High visibility role with exposure to senior leadership and governance committees
* A collaborative and supportive culture
* Continuous learning and development support
* Employee wellbeing and financial wellbeing support
* Company pension
* Free parking
* Long-term progression opportunities within a growing specialist lender