Job Title: Senior Credit Risk Analyst
Salary: Up to £47,500, with up to 400 company shares.
Location: Cardiff
Working Pattern: Hybrid/Flexible – options for remote if outside of Cardiff
Are you a data-driven professional with a passion for credit risk? Our client is seeking a Senior Credit Risk Analyst to join their Financial & Credit Risk function. You will play a key role in providing independent oversight of their lending portfolios, ensuring robust risk management across Unsecured Loans, Motor Finance, and Mortgages.
- 33 days holiday (including bank holidays)
Responsibilities
- Provide independent risk oversight of credit strategies across the company’s three lending portfolios.
- Partner with 1st line credit and pricing teams to ensure lending decisions align with risk appetite and policy.
- Use advanced analytics to conduct deep-dive reviews and identify emerging portfolio trends.
- Shape and enhance credit policies that protect both the business and its customers.
- Lead thematic reviews to ensure consistent application of risk frameworks.
- Assess proposed strategy changes against regulatory requirements and risk appetite.
- Champion robust controls and governance across lending operations.
Requirements
- Proven credit risk experience in consumer lending.
- Strong SQL coding knowledge and Excel skills.
- Deep understanding of FCA CONC, MCOB, and consumer credit regulation.
- Portfolio analysis and credit strategy background.
If you’re an experienced Senior Credit Risk Analyst looking to make an impact, apply today and take the next step in your career!
Seniority level
Associate
Employment type
Full-time
Job function
Analyst and Finance
Industries
Financial Services and Staffing and Recruiting
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