Overview
Use data, insight and analytical thinking to support responsible lending and continuously enhance Consumer Credit strategies.
Work confidently with complex datasets, using tools such as SAS and Excel to explore performance, identify trends and uncover risks or optimisation opportunities across unsecured lending portfolios.
Oversee and develop credit strategies, ensuring alignment to risk appetite, regulatory expectations and positive customer outcomes.
Monitor portfolio performance, lead deep dive analysis and translate findings into clear, practical recommendations.
Produce trusted, high-quality reporting and insight to support senior decision-making.
Work collaboratively with colleagues across Credit Risk, Product and Risk Infrastructure to safely deliver change and support growth.
Share insights clearly with senior stakeholders and champion continuous improvement, automation and more effective ways of working.
Responsibilities
- Use data, insight and analytical thinking to support responsible lending and continuously enhance Consumer Credit strategies
- Work confidently with complex datasets, using tools such as SAS and Excel to explore performance, identify trends and uncover risks or optimisation opportunities across unsecured lending portfolios
- Oversee and develop credit strategies, ensuring alignment to risk appetite, regulatory expectations and positive customer outcomes
- Monitor portfolio performance, lead deep dive analysis and translate findings into clear, practical recommendations
- Produce trusted, high-quality reporting and insight to support senior decision-making
- Work collaboratively with colleagues across Credit Risk, Product and Risk Infrastructure to safely deliver change and support growth
- Share insights clearly with senior stakeholders and champion continuous improvement, automation and more effective ways of working
Qualifications
- Around 2 years or more of practical experience using analytical or coding tools such as SAS and/or SQL
- Strong numerate foundation, gained through a numerate degree or equivalent quantitative experience
- Experience in strategy development and portfolio analysis, working with large and complex datasets to interpret data thoughtfully and translate analysis into clear, actionable insight
- Clear communication skills, with the ability to explain technical concepts and findings in an accessible way to different audiences
- An organised approach to work, with the ability to manage priorities and adapt to change in a fast-moving environment
- A growth mindset, with an interest in learning, developing new skills and supporting the development of others
- Experience mentoring, coaching or supporting less experienced analysts (optional)
- Exposure to consumer credit or unsecured lending environments (optional)
- Experience improving analytical processes, reporting or automation (optional)
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