Consumer Credit Insight Analyst

Next PLC; East Midlands; Hybrid; GBP 38,000 - 45,000; Full time

Job summary

A leading retail company in the UK is seeking a Credit & Risk Insight Analyst. You will leverage data to analyze and set lending strategies for a £1.3B credit portfolio, identify risks and opportunities, and collaborate with cross-functional teams. The ideal candidate has at least 2 years' experience in analytics, solid data analysis skills, and familiarity with SQL and data visualization tools. This role offers a hybrid work model and competitive benefits package.

Benefits

25% off most products

Company performance based bonus

Sharesave scheme

On-site Nursery

10% off partner brands

Early VIP access to sales

Discounts at Staff Shops

Flexible gym memberships

Access to digital GP services

Financial wellbeing programs

Qualifications

• Minimum 2 years experience in an analyst position, preferably in consumer lending.
• Strong analytical background with a passion for solving complex business problems.
• Experience with SQL or Databricks; Python knowledge is an advantage.

Responsibilities

• Analyze data and produce reports to identify trends and insights.
• Collaborate with senior analysts to develop portfolio strategies.
• Present findings related to credit risk in internal meetings.

Skills

Data analysis skills

Problem-solving

Communication skills

Attention to detail

SQL

Python

Tools

SQL

Python

Databricks

PowerBI

Excel

Job description

About us

You know Next, but did you know we’re a FTSE-100 retail company employing over 35,000 people across the UK and Ireland. We’re the UK’s 2nd largest fashion retailer and for Kidswear we’re the market leader. At the last count we have over 500 stores, plus the Next Online and it’s now possible to buy on-line from over 70 countries around the world! So we’ve gone global!

Your role

Job Title: Credit & Risk Insight Analyst

Location: Head Office, Leicestershire (Hybrid working 1 day a week in the office)

Salary: Up to £45,000 base plus bonus & benefits

At Next we have a great opportunity for an analyst to join our growing Credit and Risk Analytics team within Finance. As a team, we are responsible for analysing and setting the lending strategy for all aspects of our £1.3B credit portfolio and using data to drive insight on how we can optimise our customer proposition and business profit. You’ll be at the heart of understanding our 3 million credit customers and designing, testing and implementing strategy changes to help grow our business.

This is a brilliant opportunity for someone who has great data analysis skills and a real curiosity about solving business problems. You may currently be in a similar role, or have a minimum of 2 years working in an insight based strategy role. You’ll need to be the kind of person who enjoys getting stuck into complex problems, confidently analysing a range of data using industry standard tools (e.g. SQL, Python, Databricks, Excel, PowerBI) and working on cross functional projects to deliver great products for our customers.

If you’re excited about using data to drive real business impact, our Credit & Risk Insight Analyst role is a great place to develop your career within a growing business and well known brand!

You will

• Produce regular reporting and carry out ad hoc analyses. Comment on trends, adding value through contributing ideas and solutions to any problems or opportunities identified.
• Identify risks and opportunities in the current processes and rules through complex analysis, using multiple data sources.
• Collaborating with Senior Analysts within the team to deliver suitable portfolio strategies. This could be across contact centre, marketing, customer experience, and tech. Working towards becoming an expert on credit risk and data and representing the commercial value and regulatory aspects of lending activity.
• Build and present reporting and monitoring relating to credit risk at internal meetings where required.

About you

• You will have a minimum of 2 years experience of working in an analyst position (ideally in consumer lending / financial services) and have a highly numerate/analytical background
• You will be a natural problem solver and enjoy working logically
• You will have an eye for detail and the drive to get under the skin of complex business challenges, joining the dots across multiple sources of insight
• You will enjoy working with a diverse multi-discipline team to deliver results at pace
• You will have experience of working with SQL or Databricks, Python is a bonus
• You will have strong verbal and written communication skills, to most effectively present your insights and gain buy-in to implement change

This isn’t a checklist and we don’t expect you to tick every box, but a strong desire to learn fast, get stuck in and deliver value is essential. If you think that sounds like you, then we’d love to hear from you and find out if a career at Next could be your next great move!

Benefits

• 25% off most NEXT, MADE*, Lipsy*, Gap* and Victoria's Secret* products (*when purchased through NEXT)
• Company performance based bonus
• Sharesave scheme
• On-site Nursery available; OFSTED outstanding in all areas
• 10% off most partner brands & up to 15% off Branded Beauty
• Early VIP access to sale stock
• Access to fantastic discounts at our Staff Shops
• Restaurants with great food at amazing prices
• Access a digital GP and other free health and wellbeing services
• Free on-site parking
• Financial Wellbeing - Save, track and enhance your financial wellbeing
• Apprenticeship - Grow and develop on the job whilst gaining a qualification
• Direct to Work - Discount online and instore, collect your items the next day for free from your place of work or local store
• Support Networks - Access to Network Groups to empower and celebrate each other
• Wellhub - Discounted flexible monthly gym memberships, with apps, PT sessions and more

Conditions apply to all benefits. These benefits are discretionary and subject to change.

We aim to support all candidates during the application process and are happy to provide workplace adjustments when necessary. Should you need support with your application due to a disability or long-term condition, feel free to get in touch with us by email [e-mail] (please include 'Workplace Adjustments' in the subject line), or call us on 0116 284 2486 and leave a voicemail.

Apply Before: 01/26/2026

For further information, and to apply, please visit our website via the “Apply” button below.