Full job description

Lead Credit Risk Analyst
Leicester (Hybrid) | Up to £65,000Are you a Credit Risk Analyst looking to take ownership of lending strategy within a large-scale consumer credit environment? This is an opportunity to join a highly established organisation with a significant lending portfolio, where you’ll influence customer credit decisions, optimise commercial performance, and shape strategy through data-driven insights.The CompanyThis organisation is a market-leading consumer business with a substantial financial services function supporting millions of customers. They operate a large-scale credit portfolio and use advanced analytics to drive responsible lending decisions and enhance customer outcomes. With continued investment in data and analytics, they offer a collaborative environment where analytical talent plays a central role in business decision-making. Based in Leicester, they offer a flexible hybrid working model.The RoleAs a Lead Credit Risk Analyst, you will sit within the existing customer strategy team, focusing on the ongoing management and optimisation of customer lending decisions.Responsibilities include:*Developing and enhancing credit risk strategies for existing customers
*Analysing customer behaviour, spending patterns, and portfolio performance to identify opportunities and risks
*Making recommendations around credit limits, pricing, affordability, and interest rate strategies
*Designing and evaluating strategy changes through detailed analytical investigations
*Delivering insights and recommendations to stakeholders across risk and commercial functions
*Using data to balance customer outcomes, portfolio performance, and business growth
*Supporting the implementation and monitoring of lending strategies across the customer lifecycle
Your Skills & Experience*Strong commercial experience within retail credit risk, consumer lending, or financial services
*Experience developing, influencing, or optimising credit risk strategies
*Background in existing customer, in-life, affordability, credit limit, pricing, or portfolio strategy analytics
*Advanced SQL skills for data extraction and analysis
*Experience with SAS and/or Python
*Strong analytical and problem-solving capabilities
*Ability to communicate complex findings clearly to both technical and non-technical stakeholders
*Experience working with large customer datasets and translating insights into business action
What They Offer*Opportunity to lead impactful credit risk strategy initiatives
*Exposure to a large and sophisticated consumer lending portfolio
*Strong career development opportunities within an established analytics function
*Collaborative environment with access to experienced credit risk professionals
How to ApplyIf you’re an experienced Credit Risk Analyst looking to move into a highly visible strategy-focused role, please apply with your CV to discuss the opportunity in more detail.