Senior Credit Risk Analyst

Secure Trust Bank PLC; Manchester; On-site; GBP 35,000 - 50,000; Full time

Job summary

A trusted specialist lender in the UK is seeking a Credit Risk Analyst to lead management information production and design credit risk strategies. The ideal candidate will have experience in credit risk analysis, coding abilities in SAS, Python, or SQL, and a degree in a relevant field. Join a diverse team where unique talents and perspectives are valued, and contribute to impactful projects in consumer lending, driving growth and success for both the bank and its customers.

Qualifications

• Demonstrable years in a Credit Risk Analyst role, ideally within consumer finance.
• Strong coding ability in SAS, Python, or SQL; proficient in Excel.
• Familiarity with Credit Reference Agency data and credit risk strategy.

Responsibilities

• Own the production of management information for consumer lending portfolios.
• Design and monitor credit risk strategies for sustainable growth.
• Analyse portfolio performance and present insights to stakeholders.
• Collaborate across teams for fair outcomes for customers.
• Support Finance in assessing product profitability.

Skills

Credit Risk Analysis

SAS

Python

SQL

Excel

Power BI

Tableau

Education

Degree in business, IT, or mathematical discipline

Job description

Are you passionate about data-driven decision-making and delivering great outcomes for customers? We’re looking for a Credit Risk Analyst to join our team and play a key role in shaping the future of our consumer lending portfolios.

What you’ll be doing

• Own the production of management information (MI) for our consumer lending portfolios, ensuring it’s timely, accurate, and fit for purpose.
• Design, implement, and monitor credit risk strategies that drive sustainable growth and customer success.
• Analyse portfolio performance, including delinquency and acceptance rates, and present actionable insights to senior stakeholders.
• Collaborate across teams to ensure fair and positive outcomes for customers.
• Support Finance in assessing retailer and introducer performance to determine product profitability.
• Drive automation in lending decisions to improve efficiency and customer experience.

What we’re looking for

• Experience: Demonstrable years in a Credit Risk Analyst role, ideally within consumer finance.
• Technical Skills: Strong coding ability in SAS, Python, or SQL; proficient in Excel. Knowledge of Power BI or Tableau is a plus.
• Expertise: Familiarity with Credit Reference Agency data, credit risk strategy, scorecard development, and decision systems.
• Education: Degree in a business, IT, or mathematical discipline (or equivalent experience).

What makes you successful here

• Analytical mindset with a problem-solving approach.
• Ability to take ownership and deliver results from start to finish.
• Strong attention to detail and effective communication skills.
• Adaptability and a positive attitude toward change.
• Collaborative team player who adds value to projects.

Why join us?

We believe in creating an inclusive environment where everyone can thrive. You’ll have the opportunity to work on impactful projects, develop your skills, and contribute to strategies that make a real difference for our customers.

Everyone is different. Everyone is valued

As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people and our strengths; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate.

Every one of our employees brings unique talent, ability and perspective to their role.

That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.

We’re an award-winning bank providing savings accounts and lending services to over one million customers. We’re Secure Trust Bank Group. We embrace difference.