Credit Insights Specialist

NewDay Ltd; Greater London; Hybrid; GBP 40,000 - GBP 60,000; Full time

Job summary

A leading digital finance provider is seeking a Specialist in Credit Insights to analyze credit portfolio forecasts and identify key trends. The successful candidate will work in a hybrid setting, collaborating with cross-functional teams to validate insights through data. Key qualifications include proficiency in Python and SQL, strong analytical skills, and attention to detail. The role comes with generous benefits including a competitive pension scheme, holiday entitlements, and a focus on diversity and inclusivity in the workplace.

Benefits

26 days holiday, rising to 30 with service

Holiday buy scheme

Double matched pension

Generous annual performance bonuses

Private medical insurance

Free meals provided by in-house chefs

Qualifications

• Proficiency in Python and SQL for data analysis.
• Strong Microsoft Excel, PowerPoint, and PowerBI skills.
• Ability to present insights clearly and visualize data.
• Experience in analytical and critical thinking.

Responsibilities

• Deliver portfolio forecasts for near prime products.
• Analyze impairment drivers and investigate ad-hoc issues.
• Develop reporting to explain portfolio movements.
• Partner with teams to validate data and improve forecasting.

Skills

Python

SQL

Microsoft Excel

PowerPoint

PowerBI

Analytical skills

Data visualization

Attention to detail

Job description

Specialist, Credit Insights page is loaded## Specialist, Credit Insightslocations: Londontime type: Full timeposted on: Posted 3 Days Agotime left to apply: End Date: April 6, 2026 (30+ days left to apply)job requisition id: JR0478**Mission Statement & Summary**NewDay is one of the UK's leading digital consumer finance providers. We're on a mission to help people move forward with credit, supporting over 6 million customers every day! You may have heard of our own brand credit cards like **Aqua, Marbles** or **Bip,** or our co-branded retail credit cards with **John Lewis & Partners, Argos** and **AO**.In this role, you'll have the opportunity to join a fast-moving business where you'll see the entire credit lifecycle end-to-end. You'll gain cradle-to-grave exposure, from first point‑of‑contact lending decisions through to collections strategy, whilst working closely with teams across the business to understand and present the 'why' behind decisions.**How you’ll contribute*** Deliver forward‑looking portfolio forecasts across our near prime products* Analyse impairment drivers, investigate ad‑hoc issues, and provide actionable insight into emerging trends across the credit book* Develop and structure reporting that explains portfolio movements, identifies key drivers, and supports strategic decision‑making* Partner with cross‑functional teams to validate data, interpret insights, and continuously improve forecasting accuracy and portfolio understanding**We're looking for these essential skills:*** Proficiency with Python and/or SQL for data manipulation and analysis* Strong skills in Microsoft Excel, Power point and PowerBI* Analytical and critical-thinking abilities* Experience in presenting insights through clear data visualisation and communication* Attention to detail and accuracy focused**It’s a plus if you also have these skills**:* Experience working in a Credit risk environment* Experience within a regulated financial services organisationAt NewDay, it's really important to us to offer flexible ways of working, whilst appreciating the vayeslue of face-to-face collaboration. This role is hybrid, with an expectation that you’ll work from our KX office **2 - 3 days per week**.You'll also get:* 26 days holiday, rising to 30 with service* A holiday buy scheme (up to 5 extra days)* Double matched pension, with up to 14% from NewDay* Generous annual performance bonuses* Private medical insurance with Bupa, including mental health support and cancer care* 26 weeks paid maternity, adoption and shared parental leave* Free breakfast and lunch in the office every day, provided by our in-house chefs…and more, which you can explore !*Externally this role could be known as Credit Risk Analyst, Credit Analyst, Financial Risk Analyst, Business Analyst*At NewDay, we value all types of diversity. We’re an equal opportunity employer and believe that our differences create a vibrant, authentic working culture. We want all our colleagues to feel able to bring their whole selves to work. We don’t discriminate on the basis of protected characteristics or identities. We make sure that every job is crafted to be inclusive and that people with disabilities or caring responsibilities can take part in the application and interview process. Tell us if you need accommodations: We’ll put reasonable adjustments in place to support you. We work with Textio to make our job design and hiring inclusive. PermanentAt NewDay, we value all types of diversity. We’re an equal opportunity employer and believe that our differences create a vibrant, authentic working culture. We want all our colleagues to feel able to bring their whole selves to work. We don’t discriminate on the basis of protected characteristics or identities. We make sure that every job is crafted to be inclusive and that people with disabilities or caring responsibilities can take part in the application and interview process.Tell us if you need accommodations: We’ll put reasonable adjustments in place to support you.We work with Textio to make our job design and hiring inclusive.Permanent