Job Title
Senior Credit Analyst – Unsecured Lending (Consumer Credit)
Salary
£44,901 – £49,890
Locations
Newport, Halifax, Chester
Hours & Working Pattern
Full‑time, 35 hours per week, hybrid: at least two days per week at office, 40% of time in office. Accommodation available for disabilities.
What You Will Be Doing
Use data, insight and analytical thinking to support responsible lending and continuously enhance Consumer Credit strategies. Work with complex datasets using SAS and Excel in a robust control environment to explore performance, identify trends and uncover risks or optimisation opportunities across unsecured lending portfolios. Oversee and develop credit strategies to meet risk appetite, regulatory expectations and customer outcomes. Monitor portfolio performance, lead deep‑dive analysis, and translate findings into recommendations balancing risk, affordability, reward and commercial objectives. Produce high‑quality reporting and insight for senior decision‑making. Collaborate with Credit Risk, Product and Risk Infrastructure teams to deliver change.
Why Join Us
Make a difference to customers, enjoy a fulfilling career where you’re free to be yourself. Great colleagues, amazing workspaces, hybrid working, huge career opportunities.
What We’re Looking For
- About 2 years of experience using analytical or coding tools such as SAS and/or SQL, confident with Excel and PowerPoint for analysis and presentation.
- A strong numerate foundation from a numerate degree or equivalent quantitative experience.
- Experience in strategy development and portfolio analysis, working with large datasets to interpret data thoughtfully and translate analysis into actionable insight.
- Clear communication skills, able to explain technical concepts to varied audiences.
- Organised approach to work, managing priorities and adapting to change in a fast‑moving environment.
- Growth mindset, interested in learning, developing new skills and supporting others.
And Any of These Would Be Great
- Experience mentoring, coaching or supporting less‑experienced analysts.
- Exposure to consumer credit or unsecured lending environments.
- Experience improving analytical processes, reporting or automation.
We Encourage Relevant, Transferable Experience
We recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.
This Is A Place For You
Our ambition is to be the leading UK business for diversity, equity and inclusion, supporting customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.
Benefits
- A generous pension contribution of up to 15%
- An annual performance‑related bonus
- Share schemes including free shares
- Benefits you can adapt to your lifestyle, such as discounted shopping
- 28 days holiday, with bank holidays on top
- A range of wellbeing initiatives and generous parental leave policies
Ready For a Career
Apply today and find out more.
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