Credit and Risk Analyst

Smart10 Ltd, Trading as SMT Recruitment; Hatfield; Hybrid; GBP 34,000 - 42,000; Full time

Benefits offered by this job

Excellent benefits package

Job summary

Smart10 Ltd, trading as SMT Recruitment in Hatfield is seeking a Credit Risk Analyst to join an established finance team. You will analyse customer portfolios, monitor credit exposure and generate reports to support commercial decisions.

The role offers hybrid working (2 days WFH), a £38,000 salary and excellent benefits. Ideal for 1–2 years in finance or risk, with strong Excel and analytical skills and a desire to learn within a UK-based team.

Qualifications

• A Finance, Economics, Business or related degree would be ideal.
• Around 1-2 years' experience within Finance, Credit, Risk or an analytical role.
• Strong Excel and analytical skills with excellent attention to detail.
• Commercially minded, naturally inquisitive and confident working with numbers.
• Keen to learn and develop within Credit Risk.

Responsibilities

• Analysing customer portfolios, financial information and payment history.
• Monitoring credit exposure and identifying changes or potential risks.
• Producing reports, KPIs and analysis to support business decisions.
• Using Excel, BI and technology to improve reporting and processes.
• Working closely with colleagues across Finance and the wider business.
• Supporting ongoing improvements within the Credit Risk function.

Skills

Excel

Attention to detail

Analytical skills

Numerical confidence

Education

Finance, Economics or related degree

Tools

BI tools

Reporting software

Job description

Job Title: Credit Risk Analyst

Salary: £38,000

Benefits: Excellent company benefits package

Location: Hatield

Hours: Monday-Friday (2 days WFH)

What you want to know about this employer

• Join a highly successful, established global organisation with an excellent reputation and strong UK presence.
• A fantastic opportunity for someone early in their Finance career to develop specialist experience within Credit Risk and commercial analysis.
• You'll join a supportive, experienced team with exposure across the wider business and plenty of opportunity to learn and develop.

Purpose of the role

We're looking for a bright, analytical individual to join an established Credit Risk team.

You'll use financial and customer data to identify trends, monitor risk and support commercial decision-making, alongside producing reports and helping improve processes through BI, automation and technology.

What you'll be doing

• Analysing customer portfolios, financial information and payment history.
• Monitoring credit exposure and identifying changes or potential risks.
• Producing reports, KPIs and analysis to support business decisions.
• Using Excel, BI and technology to improve reporting and processes.
• Working closely with colleagues across Finance and the wider business.
• Supporting ongoing improvements within the Credit Risk function.

What we're looking for

• A Finance, Economics, Business or related degree would be ideal.
• Around 1-2 years' experience within Finance, Credit, Risk or an analytical role.
• Strong Excel and analytical skills with excellent attention to detail.
• Commercially minded, naturally inquisitive and confident working with numbers.
• Keen to learn and develop within Credit Risk.