Senior Credit Risk Analyst

Overview

In this role you shape lending decisions across consumer portfolios and own credit strategies to drive performance. You will work hands-on with data-driven decisions, collaborating with decision scientists and senior stakeholders to influence outcomes. The role emphasizes practical impact over reporting, combining portfolio management, underwriting, and model-informed decisioning. You will solve problems using analytics to optimize credit strategies and support new lending initiatives, within a cross-functional team.

Responsibilities

• Develop and optimise credit strategies across the customer lifecycle
• Investigate portfolio trends, risks and opportunities
• Recommend and implement data-driven changes to improve outcomes
• Support new lending initiatives
• Present clear analysis and recommendations to senior stakeholders
• Use SQL, Python, SAS or similar tools to solve problems and automate processes
• Work with Decision Scientists to get the most from predictive models
• Support junior analysts
• Collaborate with teams across the business

Key requirements

• Degree (or equivalent experience) in a quantitative subject
• Substantial experience in credit risk strategy, portfolio analytics or decision science
• Experience developing credit strategies in consumer lending
• Good understanding of portfolio management and underwriting
• Experience with credit reference agency data and decisioning systems
• Strong SQL skills, with experience in SAS, Python or similar tools
• Ability to influence senior stakeholders with insight
• Strong analytical and problem-solving skills

• influencing senior stakeholders
• analytical thinking
• collaboration
• SQL
• Python
• SAS

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