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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!
