Credit Risk Analyst

JD Williams; Manchester; Hybrid; GBP 30,000 - 45,000; Full time

Job summary

A leading fashion retailer is seeking a Credit Risk Analyst to support the management of customer accounts and assess the impacts of credit risk. The role requires analytical skills and proficiency in SQL, offering hybrid working and various employee benefits, fostering a diverse and inclusive work environment.

Benefits

24 days holiday (+ 8 bank holidays)

Annual bonus scheme

Enhanced maternity and adoption leave

Mental Health support

Colleague discount across all brands

Life Assurance

Paid volunteer time

Onsite café with subsidised rates

Qualifications

• Previous experience in credit product operations preferred.
• Comfortable with repetitive operational tasks and ad hoc analysis.
• Logically oriented and reliable.

Responsibilities

• Create account selections for credit product management.
• Analyze risk and product changes and report findings.
• Support planning and implementation of strategy changes.

Skills

Attention to detail

Analytical skills

Self-motivated

Strong communication

SQL proficiency

Excel skills

Job description

The role

We’re looking for an Credit Risk Analyst to join our Financial Services team

This role sits within the Credit Risk team, supporting the management of customer accounts and understanding the customer and commercial impacts of credit risk and product strategy changes.

The role is ideally suited to somebody who has previously worked in credit product operations, with a high attention to detail and a flair for analysis.

What will you do as an Credit Risk Analyst at N Brown?

* Responsible for creating account selections for credit product management operations and applying changes to accounts once approved.

* Undertake analysis of risk and product changes, following guidance from your Manager and provide conclusions and recommendations.

* Develop an understanding of Financial Services objectives and contribute ideas for improving customer satisfaction and operational efficiency.

* Responsible for producing reports in a timely manner and ensuring the accuracy of regular reporting, including to senior management.

* Develop an understanding of the Financial Service key metrics and how changes in these can affect N Brown performance.

* Provide support in the planning, testing and implementation of strategy changes relating to the product offering or risk decisioning.

* Develop existing SQL, excel and presentation skills

What skills and experience will you have?

* Accurate, with a high attention to detail

* Self-motivated and reliable

* Strong communication skills

* Comfortable with a mix of work, from repetitive operational tasks to ad hoc analysis

* Logical thinker

* Proficient in SQL

* Use of Microsoft excel, including lookups, pivots and charts

What’s in it for you?

* Hybrid working

* 24 days holiday (+ 8 bank holidays)

* Annual bonus scheme

* Enhanced maternity and adoption leave

* Company pension with up to 8% N Brown contribution

* Mental Health support both internally and externally, including access to our wellbeing champions and counselling services

* A range of financial wellbeing support

* Colleague discount across all N Brown brands

* Onsite café with subsidised rates and local restaurant discounts!

* Life Assurance

* Paid volunteer time – all our colleagues can take a full day paid to volunteer for a charity of their choice

N Brown – who we are and why work for us?

At N Brown, we’re committed to building a diverse workforce and creating an inclusive environment that values equality for all. Our vision is that by ‘championing inclusion, we’ll become the most loved and trusted fashion retailer’. Diversity, Equity, Inclusion and Belonging are, therefore, at the heart of our culture.

We’re a forward-thinking digital retailer with a financial services proposition to be proud of. We’re customer-obsessed, serving them through three core brands: JD Williams, Simply Be, and Jacamo. We’re experienced, with over 160 years of trading under our belt. We’re inclusive, as we believe in fashion without boundaries; and we’re sustainable, striving to make as little impact on the planet as possible.

In May 2024 we were delighted to be named one of The Sunday Times Best Places to Work 2024. We work hard to create a happy and inclusive culture for everyone and we’re so proud to have made this list - as voted for by our very own colleagues!

Ways of Working

We offer hybrid working which varies across the business depending on the role you’re in. Our Head Office is located in the Northern Quarter in Manchester City Centre. So if you are travelling by train, tram or bus we’re perfectly located, plus we’re surrounded by cool cafes, trendy bars and the best places to eat!

Our working hours are 36.17 per week and our core working hours are between 10am - 4pm. Given we don’t have strict working hours you can find the working pattern that’s right for you.

Our promise to you:

We’re an equal opportunity employer and value diversity. We do not discriminate based on race, religion, colour, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.

What happens when you apply to a role at N Brown?

As soon as we receive your application, we’ll send you an email to let you know. We always aim to come back to you as soon as possible with an update and we really appreciate you taking the time to apply for a role with us. Good luck!