Senior Credit Risk Analyst

Role Overview

We’re looking for a Senior Credit Risk Analyst to join N Brown Group. This role sits within the Credit Risk team, supporting the development of the lending strategy to drive long‑term, sustainable profit from our Financial Services offering. It will be achieved through monitoring the existing strategy and working with the team to identify opportunities for change, ensuring good outcomes for customers and the business.

Responsibilities

• Responsible for the production of complex ad‑hoc analysis, providing timely conclusions and recommendations to support the Credit Risk team.
• Provide support in the planning, testing and implementation of strategy changes within the credit risk decision engine.
• Maintain and develop new monitoring, and produce regular MI with insight for senior management.
• Create and undertake analysis to monitor the group’s lending strategies and risk decision systems to ensure they function as expected.
• Help drive continuous improvement by identifying opportunities to enhance the existing customer strategy.
• Represent the Credit Risk team across cross‑functional projects.
• Build effective collaborations with other Credit Risk Managers and Analysts to ensure monitored metrics suitably measure current risks.
• Support the month‑end IFRS9 process, investigating any changes in customer behaviour that affect model inputs or outputs.
• Develop knowledge of the existing N Brown IFRS9 model and its components.

Skills and Experience

• Previous experience working as an analyst in a Credit Risk team, using SQL and Microsoft Excel to an advanced level.
• Highly analytical with strong technical skills and a focus on accuracy and attention to detail.
• Self‑motivated and able to work independently in a responsible manner, seeking advice when appropriate.
• Proven planning and organisation skills to manage multiple requirements, prioritise work and meet demanding deadlines with minimal supervision.
• Comfortable extracting and analysing large datasets using SQL.
• Strong written and verbal communication skills, with the ability to convey complex information clearly and confidently.
• Collaborate effectively by building good business relationships with peers across the business.
• Self‑starter who takes initiative and can work with ambiguity.
• Demonstrated ability to solve problems through logical thinking.

Desirable

• Experience of working with an IFRS9 model.
• Experience in credit risk model development.
• Previous work in a credit risk team for an online retail lender.

Benefits

• Hybrid working (3 days in the office at a minimum)
• 24 days holiday (+ 8 bank holidays)
• Annual bonus scheme
• Enhanced maternity and adoption leave
• Company pension with up to 8% N Brown contribution
• Mental health support both internally and externally, including access to wellbeing champions and counselling services
• A range of financial wellbeing support
• Stream – a financial wellbeing tool that helps you track your pay, access earnings early and manage your money with confidence
• Colleague discount across all N Brown brands
• Onsite café with subsidised rates and local restaurant discounts
• Life assurance and private medical insurance
• Paid volunteer time – all colleagues can take a full day paid to volunteer for a charity of their choice

We’re an equal opportunity employer and value diversity. We do not discriminate based on race, religion, colour, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.

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