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, supporting 3 million customers with £1.3 B in outstandings. We use data‑driven insights to optimise our customer proposition and business profit.
Job Description
We are looking for an experienced professional to join us as a Lead Credit Risk Analyst. In this role, you will be at the heart of designing, testing, and implementing strategy changes that drive sustainable business growth.
Responsibilities
* Own the day‑to‑day running of our Credit Limit management strategy programme to successfully optimise risk and growth.
* Identify risks and opportunities in current processes by analysing multiple data sources and designing randomised control trials.
* Serve as the subject‑matter expert on credit risk, working with multi‑disciplinary teams to deliver commercial value while maintaining regulatory standards.
* Build and present clear, data‑backed insights to stakeholders to gain buy‑in and implement meaningful change.
Qualifications
* A proven background in a credit risk analytical role, specifically within consumer lending or financial services (such as banking or retail credit risk).
* Solid experience building or influencing credit lending strategies; familiarity with NPV modelling is highly advantageous.
* Strong analytical capabilities with a track record of coding in SQL; experience or familiarity with Databricks, Python, and PowerBI is beneficial.
* Exceptional verbal and written communication skills, with the ability to translate complex data into clear strategic recommendations.
* A collaborative and motivated professional who thrives in a fast‑paced environment and is eager to build on success, learn from challenges, and push boundaries.
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 instore, 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
Conditions apply to all benefits. These benefits are discretionary and subject to change.
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