Credit Risk Manager
Birmingham, hybrid (3 days onsite)
£60,000 to £70,000 plus benefits
A great opportunity to join a fast‑moving lender during a period of growth. This role suits someone who enjoys hands‑on analytics, influencing credit strategy, and working directly with major retail partners.
The Company
They are a well‑established consumer finance provider supporting a range of high‑profile retail portfolios. With new partnerships launching and strong investment in credit capability, this is a dynamic environment where you can make a visible impact. You will join a collaborative team known for long‑term development and progression.
The Role
• Manage credit risk performance across a key retail finance portfolio.
• Deliver analytics using SAS or SQL and support forecasting for bad debt and pricing.
• Use MI, CRA data, and third‑party sources to produce actionable insight.
• Present recommendations to internal stakeholders and external partners.
• Identify optimisation opportunities across acquisition and portfolio strategy.
Your Skills and Experience
• Strong experience in credit risk, retail lending, or portfolio analytics.
• Proficient in SAS or SQL with strong Excel skills; Python is beneficial.
• Confident interpreting MI and credit bureau data.
• Able to communicate insights clearly to stakeholders.
What They Offer
• Salary between £60,000 and £70,000.
• Hybrid working with three days in Birmingham.
• Benefits package with flexible options and clear progression opportunities.
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