Credit Risk Analyst

Smart10 Ltd, Trading as SMT Recruitment; Hatfield; On-site; GBP 36,000 - 48,000; Full time

Job summary

SMT Recruitment is seeking a proactive Credit Risk Analyst in Hertfordshire to join an established global organisation. You will analyze customer portfolios and financial histories, monitor credit exposure, and support decision-making through timely reports and KPI dashboards.

The role emphasizes using Excel, BI tools and automation to enhance reporting and processes, working closely with Finance and other teams to drive risk-aware commercial insights.

Qualifications

• Degree in Finance, Economics, Business or related field is 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, inquisitive and confident working with numbers.
• Keen to learn and develop within Credit Risk.

Responsibilities

• Analyse customer portfolios, financial information and payment history.
• Monitor credit exposure and identify changes or potential risks.
• Produce reports, KPIs and analyses to support business decisions.
• Leverage Excel, BI and technology to improve reporting and processes.
• Collaborate with Finance and wider business colleagues.
• Support ongoing improvements within the Credit Risk function.

Skills

Excel

Analytical skills

Attention to detail

Finance knowledge

Problem solving

Education

Finance / Economics / Business related degree

Tools

BI tools

Job description

Job Title: Credit Risk Analyst

Salary: Competitive (DOE)

Benefits: Excellent company benefits package

Location: Hertfordshire

Hours: Monday-Friday

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.