Senior Credit Risk Analyst

Job Title: Senior Credit Risk AnalystSalary: Up to £60,000 per annumLocation: 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!