Harnham - Data & Analytics Recruitment
Role Title
Lead Credit Risk Analyst
Salary
£60,000-£66,000
Location + work pattern
Leicester (1 day per week in office, occasional additional team days)
THE COMPANY
This organisation is a well-established consumer lending business with a strong presence in the UK market. They operate a data-driven credit risk function focused on sustainable growth, innovation, and continuous improvement across their customer proposition.
THE ROLE
This role sits within a growing credit risk team and focuses on developing and optimising lending strategies, particularly within credit limit management and customer portfolios. You will play a key role in strategic initiatives, working across teams to improve performance and customer outcomes.
Specifically, you can expect to be involved in:
- Developing and optimising credit risk strategies across existing customer portfolios (ECM)
- Leading projects focused on credit limit management and lending policy improvements
- Delivering portfolio analysis, MI reporting, and customer trend insights
- Supporting model implementation, including behavioural scorecards and decision systems
- Collaborating with wider teams to test, implement, and refine strategy changes
YOUR SKILLS AND EXPERIENCE
- Proven experience within credit risk analytics in consumer lending (e.g. cards, loans, or mortgages)
- Strong background in ECM or acquisitions strategy, including lending policies or limit strategies
- Experience working on credit limit management or similar portfolio strategy initiatives
- Proficiency in SQL (or similar analytical tools)
- Strong communication skills, with the ability to present insights to both technical and non-technical stakeholders
THE BENEFITS
- Clear progression opportunities within a growing analytics team
- Exposure to broad, high-impact strategic projects
- Collaborative environment with a strong focus on learning and development
- Flexible working structure with limited office requirements
THE PROCESS
- Initial 30-minute interview
- Technical stage including coding task and presentation
- Final interview with additional technical discussion
- Offer!
HOW TO APPLY
Please register your interest via the apply link on this page.
To apply for this job please visit www.reed.co.uk.
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