Senior Credit Analyst - Flex

New

UKFull-TimeSenior

Salary76,500 - 95,000 GBP per year

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Job Details

Experience in unsecured lending, ideally within credit cards
Strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses)
Experience building or influencing credit strategies (e.g. underwriting, limit management, pricing)
Strong analytical and data capabilities
SQL is a must-have
Python experience is a plus
Looker experience is a plus
Experience working with NPV models, profitability analysis, and portfolio forecasting
Confidence communicating complex analysis clearly to non-technical stakeholders
Experience collaborating cross-functionally in a fast-paced environment
An interest in balancing risk, growth, and customer outcomes
Experience working in a regulated UK lending environment (bonus)
Exposure to IFRS9, stress testing, or capital modelling (bonus)
Experience in experimentation or strategy testing frameworks (bonus)
Experience working on business lending products (bonus)

Design and refine credit underwriting and limit strategies to optimise risk and growth
Analyse portfolio performance (arrears, utilisation, revenue, losses, vintage curves) and identify actionable insights
Build and interpret NPV and profitability models to inform strategic decisions
Develop segmentation frameworks to identify revenue and risk pressure points
Lead analytical deep-dives into portfolio trends and emerging risks
Partner with Product and Engineering teams to design and test new features and strategy changes
Evaluate the commercial and customer impact of pricing, eligibility, and limit decisions
Present clear, structured recommendations to senior stakeholders
Support regulatory and governance requirements, ensuring strategies align with policy and risk appetite

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