Credit Risk Analyst

Leasys S.p.A.; Coventry; On-site; GBP 45,000 - 60,000; Full time

Job summary

A financial services provider in the UK is looking for a Credit Analyst to assist the Head of Credit. This role involves managing operational support for the retail portfolio, conducting data-driven risk analysis, and enhancing credit policies. The ideal candidate should possess strong analytical skills, a degree, and over 3 years of credit-risk experience. The position offers a full-time commitment focusing on enhancing credit quality and managing financial risks.

Qualifications

• 3+ years’ credit-risk experience, ideally in automotive or consumer finance.
• Extract, engineer and validate scorecard models and data analysis.
• Ability to improve systems, processes, and business practices.

Responsibilities

• Provide operational support and manage the Retail portfolio.
• Build and maintain risk dashboards and management information.
• Prepare FCA affordability reports and investor data.

Skills

Excellent oral and written communication skills

Strong analytical and documentation skills

Data analysis

Ability to communicate and negotiate change

Solid understanding of lending products

Advanced analytical skills

Familiarity with UK/FCA regulations

Previous scorecard writing experience

Education

Degree in a relevant field

Tools

Excel

SAS

Access

Job description

The purpose of this job is to support the Head of Credit in protecting and enhancing the quality of the Leasys’ Credit profile (new business and existing portfolio). Through data-driven analysis and proactive risk management, identify emerging issues early and recommend actions that sustain growth while controlling loss.

Main Responsibilities

• To provide daily operational support to the Head of Credit in the management of the Retail portfolio

• Portfolio Health Monitoring – Track delinquency, arrears, write‑offs and overall cost of risk; flag deteriorating segments promptly

• Risk Dashboards – Build and maintain dashboards and management information on key risk indicators, affordability and underwriting performance

• Policy & Process Optimization – Propose and implement changes to credit policy, underwriting rules and the decision engine to balance approval rates with expected loss

• Risk Budgeting & Provisioning – Contribute to risk budgets, forecasts and the calculation/validation of specific and general provisions

• Regulatory & Investor Reporting – Prepare FCA affordability reports, monthly management packs and historical securitisation data for investors

• Cross‑Functional Collaboration – Work with Underwriting, Collections, Finance and other stakeholders to drive remedial actions on high‑risk accounts and improve end‑to‑end credit quality

• Present in the bi‑monthly Credit Committee to Senior Management Team on any related Credit topics

• Recommending changes to Credit Policy to hit Underwriting SLA, maximise Accept Rates whilst maintaining Cost of Risk

• Responsibility for Monthly Management Reporting for Europe HQ

• Regular reviews with external suppliers such as Experian to assess performance of the underwriting scorecards

• End to end model ownership: from data extraction and feature engineering to validation and deployment

• Conduct model monitoring and performance analysis: regularly assess back‑testing results and recalibrate when needed

• Deliver predictability and control of bad debt performance to a planned level of loss

• Analyse performance of underwriters and collections agent with follow‑up coaching when required

• Create on‑the‑job training plans to help assist the credit and collections team reach full potential

• Assist with drafting and development of internal Credit and Collections procedures

The ideal candidate will have

• Excellent oral and written communication skills are essential together with proven complex analytical and decision‑making skills

• Strong analytical and documentation skills, in particular data analysis as well as attention to detail

• Extract, engineer and analyse data to develop and validate scorecard models and pinpoint areas of strength or weakness

• Responsibility that all models adhere to internal standards and regulatory expectations through documentation and monitoring

• Ability to communicate and negotiate change

• Willingness to work towards achieving goals in a changing and challenging environment

• Driven to take the initiative to improve systems, processes and the delivery of management information

• Improve systems, processes, and business practices

• A strong understanding of business strategy and how to align scorecard metrics with organisational objectives

• The ability to explain complex data and model outputs clearly to both technical and non‑technical stakeholders

• Solid understanding of lending products and credit risk lifecycle

• Degree and 3+ years’ credit‑risk experience, ideally in automotive or consumer finance

• Advanced analytical skills and capability to operate with reporting tools (Excel, SAS, Access…)

• Familiarity with UK/FCA regulations and best practices in credit‑risk management

• Previous scorecard writing experience

Stellantis is proud to be an equal opportunity employer. We are committed to equal employment opportunity and equal pay regardless of race, colour, religion, sex, national origin, sexual orientation, disability, or gender identity. Stellantis are also accredited with the Defence Employer Recognition Scheme (ERS) Gold Award, that recognises organisations that pledge, demonstrate or advocate support to the armed forces community. Please contact our recruitment team if you would like to discuss anything further or if you require any form of reasonable adjustments for any part of the recruitment process.

Seniority level

• Not Applicable

Employment type

• Full‑time

Job function

• Finance