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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.
* Hybrid working * 33 days holiday (including bank holidays) * Generous pension * Lifestyle discounts
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., 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.