Lead Credit Risk Analyst
West Midlands 1 to 2 days in the office
£55,000 - £65,000
This role offers the chance to take real ownership of credit risk strategy within a fast-evolving consumer lending environment. You will sit at a pivotal point between senior leadership and developing analysts, combining strategic influence with hands-on analytical delivery across high-impact projects.
The Company
They are a consumer-focused organisation with a large lending portfolio and a strong commitment to data-led decision making. Credit risk plays a central role in shaping sustainable growth, with close collaboration across analytics, technology and commercial teams. The environment is supportive and ambitious, with a clear focus on learning, development and progression.
The Role
* Lead and evolve existing customer management and credit limit strategies across the lending book.
* Support the redesign of credit limit management and implementation of new behavioural scorecards.
* Deliver analysis to inform policy changes, decision system enhancements and customer limit adjustments.
* Design, analyse and interpret tests and experiments to balance risk, growth and customer outcomes.
* Produce portfolio analysis, MI and insight into wider customer trends.
* Work closely with stakeholders across credit and analytics, with flexibility to move into acquisition-focused projects if of interest.
Your Skills & Experience
* Strong commercial experience in consumer credit risk within lending products such as cards, loans or mortgages.
* Demonstrated capability in acquisitions or existing customer management strategy, including limit or policy work.
* Experience contributing to or leading credit limit management initiatives.
* Strong analytical capability with SQL or a comparable analytical language.
* Clear communication skills with the ability to translate analysis into actionable insight.
What They Offer
* Salary up to £65,000 depending on experience.
* Hybrid working with 1 to 2 days per week in the West Midlands office and regular team collaboration days.
* Exposure to wide-ranging, business-critical projects with clear strategic impact.
* Strong opportunities for development, progression and movement across credit risk teams.
* A collaborative culture that actively supports learning and professional growth.