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Senior Credit Risk Analyst

Sanderson Recruitment
Posted 3 days ago, valid for a month
Location

Cardiff, South Glamorgan CF24 0TB, Wales

Salary

£60,000 per annum

Contract type

Full Time

In order to submit this application, a TotalJobs account will be created for you. As such, in addition to applying for this job, you will be signed up to all TotalJobs’ services as part of the process. By submitting this application, you agree to TotalJobs’ Terms and Conditions and acknowledge that your personal data will be transferred to TotalJobs and processed by them in accordance with their Privacy Policy.

Sonic Summary

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  • The job title is Senior Credit Risk Analyst with a salary of up to £60,000 per annum.
  • This position is based in Cardiff and offers a hybrid/flexible working pattern.
  • Candidates should have proven credit risk experience in consumer lending and strong SQL coding knowledge.
  • The role involves providing independent risk oversight of lending portfolios and enhancing credit policies.
  • Applicants should have strong communication skills, and experience in portfolio analysis is desirable.

Job Title: Senior Credit Risk Analyst
Salary: Up to £60,000 per annum
Location: Cardiff

Working Pattern: Hybrid/Flexible

Are you a data-driven professional with a passion for credit risk? Our client is seeking a Senior Credit Risk Analyst to join their Financial & Credit Risk function. You will play a key role in providing independent oversight of their lending portfolios, ensuring robust risk management across Unsecured Loans, Motor Finance, and Mortgages.

Benefits

  • Hybrid working
  • 33 days holiday (including bank holidays)
  • Generous pension
  • Lifestyle discounts

Responsibilities

This role sits within the Credit Policy and Oversight team, where you will:

  • Provide independent risk oversight of credit strategies across the company's three lending portfolios.
  • Partner with 1st line credit and pricing teams to ensure lending decisions align with risk appetite and policy.
  • Use advanced analytics to conduct deep-dive reviews and identify emerging portfolio trends.
  • Shape and enhance credit policies that protect both the business and its customers.
  • Lead thematic reviews to ensure consistent application of risk frameworks.
  • Assess proposed strategy changes against regulatory requirements and risk appetite.
  • Champion robust controls and governance across lending operations.

Requirements

Essential:

  • Proven credit risk experience in consumer lending.
  • Strong SQL coding knowledge and Excel skills.
  • Strong communication skills.

Desirable:

  • Deep understanding of FCA CONC, MCOB, and consumer credit regulation.
  • Portfolio analysis and credit strategy background.

If you're an experienced Senior Credit Risk Analyst looking to make an impact, apply today and take the next step in your career!

Apply now in a few quick clicks

In order to submit this application, a TotalJobs account will be created for you. As such, in addition to applying for this job, you will be signed up to all TotalJobs’ services as part of the process. By submitting this application, you agree to TotalJobs’ Terms and Conditions and acknowledge that your personal data will be transferred to TotalJobs and processed by them in accordance with their Privacy Policy.