Credit Risk Analyst, Tonbridge, Kent
Competitive salary DOE
Office based for training then hybrid 2–3 days per week in the office
Our client is a growing specialist lender undergoing an exciting period of transformation, modernising its data infrastructure and credit risk capabilities. This newly created role offers the opportunity to play a key part in shaping how credit data is managed.
The role will act as a bridge between the Credit function and the wider data strategy, working closely with a newly appointed Head of Data. The role combines credit portfolio management, regulatory compliance, and advanced data analysis to ensure robust risk management and operational efficiency.
Responsibilities include:
*Maintain and validate loan portfolio data, ensuring accuracy, integrity, and robust reconciliation processes
*Analyse credit and portfolio data to identify trends, anomalies, and early warning risk indicators
*Support stress testing and impairment analysis, including understanding IFRS9 provisioning impacts
*Build and enhance reporting and analytical tools using advanced Excel, SQL, and Python
*Review property valuations and populate/maintain credit databases to support informed lending decisions
*Support model validation, data modelling, and continuous process improvement initiatives.


The successful candidate will possess:
*Experience within credit risk and analysis in the commercial or residential property lending sector.
*Advanced Excel skills with the ability to build and maintain structured data models and databases
*Working knowledge of SQL and an interest in developing Python skills (commercial experience not essential)
*Understanding of IFRS9 and stress testing concepts
*Experience analysing loan application and portfolio data, with the ability to identify risk flags and data anomalies
Why Apply?
This is an opportunity to join a stable and purpose-driven lender at a pivotal stage of its evolution. You will benefit from:
*Exposure to senior stakeholders and strategic decision-making
*The opportunity to influence how credit data is structured and utilised
*Autonomy and ownership within a growing function
*Investment in modern tools and technical development
*A collaborative and forward-thinking working culture
A competitive salary is offered, alongside a strong benefits package and flexible hybrid working.