UK remote
Senior Credit Risk Analyst
About this role
The Senior Credit Risk Analyst owns credit insight for a single business division. This is a strategic, business partnering role: you are not here to run reports, you are here to decide what should be measured, build the means to measure it automatically, and then use it to change how the division makes credit decisions. You will act as the credit voice inside your division. Challenging commercial assumptions with evidence, setting the analytical agenda without being directed, and turning a portfolio of manual reporting into a small number of automated, trusted, decision-grade products.
Success in this role is measured by the decisions your work changes and the loss it prevents, not by the volume of reporting produced. We will be happy to welcome you to our office in Crewe, with working hours from Monday to Friday from 8.30 am to 5 pm. Your daily responsibilities will be Business partnering. Act as the embedded credit analytics partner for your division, working directly with operational, commercial and senior leadership teams to support portfolio performance, risk management and strategic decision-making.
Set the analytical agenda. Proactively identify, scope and prioritise analytical opportunities, emerging risks and performance improvement initiatives without relying solely on stakeholder requests. • Re-shape reporting. Review and rationalise existing reporting, ensuring management information is focused on supporting business decisions and delivers measurable value. Automate. Design and implement automated SQL and Tableau reporting and analytics solutions that reduce manual production, improve efficiency and data reliability, and enable analyst time to be focused on insight generation, interpretation and business impact rather than data assembly.
Own the insight. Deliver root-cause analysis, trend identification and predictive insights across portfolio performance, default rates, recoveries, bad debt and customer behaviour, presenting recommendations directly to stakeholders. Influence policy. Contribute to the design of credit policy, limit setting etc. bringing divisional evidence into framework decisions. • Influence policy and strategy Provide analytical evidence to support credit strategy, policy development, risk appetite decisions and continuous improvement initiatives across the division.