Our client is a growing financial services business based just outside Glasgow city centre. As a Credit Applications Analyst, you will assess finance applications on a case-by-case basis, using a blend of data analysis and professional judgment. The role involves making credit decisions that balance customer affordability with company risk appetite, in a regulated and fast-paced environment. Key Responsibilities * Evaluate applications by reviewing credit reference data, affordability indicators, and vehicle criteria using tools such as credit bureaus, Glass’s Guide, and CIFAS. * Make sound, policy-aligned decisions within the scope of delegated authority. * Conduct due diligence checks including trace, fraud prevention, and AML monitoring. * Record comprehensive notes and any sanction conditions in line with internal processes. * Maintain GDPR compliance and ensure customer data is handled securely and appropriately. * Report any suspicious activity in accordance with anti-fraud and AML procedures. * Identify and communicate areas for improved operational or customer efficiency. * Provide a professional and empathetic service when interacting with internal teams or external stakeholders. * Ensure information provided is accurate and confidential, and follow through on agreed actions. * Contribute to a positive, inclusive, and collaborative team culture. Essential Experience & Skills * Previous experience in financial services. * Ability to analyse and interpret credit reference data. * Comfortable working under pressure in a high-volume, target-driven environment. * Strong attention to detail with analytical and numerical capability. * Flexible, with a proactive and solution-focused mindset. * Prior underwriting experience. * Studying towards or holding a qualification in Finance, Risk, or a related field. What’s on Offer * Hours: 35 per week * Excellent benefits package including generous annual leave, pension contributions, and hybrid working arrangements. * Supportive, inclusive company culture with opportunities for professional development