Job Description
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.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 criteriaDeveloping and refining scorecards and affordability modelsDriving smarter lending decisions aligned to risk appetite and FCA expectationsRunning structured test-and-learn strategies to improve performance and customer outcomesSupporting ongoing development of credit risk frameworks and lending strategiesPortfolio & Risk Analysis Monitoring portfolio performance, arrears trends, and emerging risk indicatorsProducing meaningful MI and insight for senior leadership and governance meetingsSupporting collections and account management strategies through behavioural analysis and segmentationTranslating complex data into clear, commercially useful recommendationsData & Innovation Analysing internal and external data sources to improve risk assessment capabilityExploring new technologies and industry developments including Open Banking and alternative credit dataSupporting innovation within credit scoring and affordability assessment approachesHelping shape the future direction of the Credit Risk functionWhat They're Looking For Experience within Credit Risk Analytics in a consumer finance environmentStrong understanding of decision engine optimisation and lending strategyExperience developing and monitoring scorecardsExposure to portfolio monitoring, arrears analysis, and performance reportingConfidence presenting findings and recommendations to senior stakeholdersKnowledge of FCA regulations, particularly CONC and responsible lendingAdvanced Excel and strong analytical capabilityThe ability to manipulate large datasets and turn data into actionable insightWhat's In It For You? Opportunity to genuinely influence lending strategy and decision-makingHigh visibility role with exposure to senior leadership and governance committeesA collaborative and supportive cultureContinuous learning and development supportEmployee wellbeing and financial wellbeing supportCompany pensionFree parkingLong-term progression opportunities within a growing specialist lenderTPBN1_UKTJ