LEAD CREDIT RISK ANALYST
£65,000 - £70,000 | Cardiff
Join a growing lending business at an exciting stage of its evolution, where you'll have the opportunity to shape credit strategy within a fast-growing portfolio. This is a highly visible role offering direct exposure to senior stakeholders, significant ownership, and the chance to make a tangible impact on customer outcomes, portfolio performance, and business growth.

THE COMPANY
This established financial services business is continuing to invest in and expand its consumer lending products. Operating within a collaborative and data-driven environment, the business combines the stability of a well-established organisation with the agility and pace of a growing lending portfolio.
As part of a wider transformation programme, the company is enhancing its decisioning capabilities, refining its credit strategies, and investing heavily in automation. This role offers the opportunity to play a key part in that journey.

THE ROLE
Analyse approval, referral, arrears and default trends to identify key performance drivers and emerging risks
Develop and optimise credit risk strategies to support sustainable portfolio growth
Identify opportunities to improve automated decisioning processes and reduce manual referrals
Review and enhance lending policies, underwriting controls and scorecard cut-offs
Partner with Product, Underwriting, Commercial and Decisioning teams to influence business decisions
Monitor the performance of strategy changes and provide recommendations for continuous improvement
Present data-driven insights and recommendations to both technical and non-technical stakeholders
Play a key role in a major transformation programme focused on improving customer outcomes and operational efficiency

YOUR SKILLS AND EXPERIENCE
Strong commercial experience within Credit Risk Strategy
Experience within motor finance, consumer lending, personal loans or a similar lending environment
Experience improving acceptance strategies, lending limits, underwriting controls and decisioning rules
Advanced SQL skills
Strong analytical skills with the ability to translate data into actionable business recommendations
Excellent stakeholder management and communication skills
Experience presenting insights to senior audiences
Python experience is advantageous but not essential
UK lending experience is required
Previous scorecard modelling experience would also be beneficial

SALARY AND BENEFITS
£65,000 - £70,000 base salary
Annual bonus
Hybrid working with Cardiff office attendance once or twice per week
Sponsorship available for the right candidate
Pension scheme
Dedicated training and development budget
Book purchasing scheme
Regular team socials and collaborative working environment
Strong opportunities for career development and progression

HOW TO APPLY
Please register your interest by sending your CV to Rachael through the 'Apply' link.