Junior Credit Risk Analyst

• Location: Kingswood, Surrey 
• Hourly: £15.93 per hour PAYE or £20.21 per hour via umbrella
• Job Type: Temporary until the end of 2026
• Hours: 35 hours per week (initially 100% office based) 

We are seeking a Junior Credit Risk Analyst to join our growing credit risk function within a dynamic and fast-paced commercial environment. This role is crucial in supporting the management of a major business portfolio by providing administrative, analytical, and underwriting support. You will work closely with stakeholders across the business, ensuring effective credit risk processes and contributing to informed decision-making.

Day-to-day of the role:

• Manage the day-to-day credit vetting process, ensuring timely handling of limit requests.
• Oversee and prioritise queries within the credit risk inbox.
• Administer the credit insurance policy, including withdrawals and limit adjustments.
• Monitor and maintain the security portfolio, including audits and inactive account reviews.
• Process security documentation and manage refund procedures.
• Review and track extended payment terms requests.
• Assist with SME underwriting activities, with scope to develop authority over time.
• Deliver daily financial and macroeconomic commentary to key stakeholders.
• Produce reports and insights for senior management and credit committees.
• Collaborate with data teams to support regulatory requests and analysis.
• Work closely with sales and finance teams to manage credit priorities effectively.

Required Skills & Qualifications:

• Strong Excel skills and confidence working with data.
• Excellent communication and stakeholder management skills.
• Highly organised, with the ability to manage multiple priorities independently.
• Proactive, detail-oriented, and keen to develop within credit risk.
• Desirable: Exposure to credit risk, collections, or financial services.
• Basic understanding or interest in macroeconomic trends.
• Any experience in credit underwriting is advantageous.

Benefits:

• Opportunity to develop within a specialist credit risk environment.
• Exposure to senior stakeholders and business decision-making.
• Supportive team with clear progression opportunities.

To apply for the Junior Credit Risk Analyst position, please submit your CV and cover letter detailing your relevant experience and why you are interested in this role.