Credit Risk Analyst

Billing Finance; Northampton; Hybrid; GBP 40,000 - 60,000; Full time

Benefits offered by this job

Discretionary bonus scheme

Electric Vehicle salary sacrifice scheme

Pension salary sacrifice scheme

Private Medical

Income Protection

Employee Assistance Programme

Annual £200 personal growth fund

Paid volunteering days

Job summary

Billing Finance in Northampton is seeking a Credit Risk Analyst to join their growing team. The successful candidate will use analytical expertise to support lending frameworks and develop effective credit risk strategies. Responsibilities include data analysis, performance monitoring, and ensuring compliance with regulatory standards.

Ideal candidates should have experience in Credit Risk or Data Analysis, with strong SQL skills, and will need to communicate effectively with various stakeholders. Benefits include a discretionary bonus and hybrid working options.

Qualifications

• Previous experience in a Credit Risk or Data Analyst role.
• Strong knowledge of SQL for data manipulation.
• Ability to communicate technical concepts to non-technical stakeholders.

Responsibilities

• Analyse data to optimise credit risk strategies.
• Assess performance of collections activities.
• Utilise SQL for data extraction and manipulation.
• Monitor portfolio quality and trends.
• Support innovation of credit and affordability strategies.
• Assist in developing efficient processes.
• Produce reporting to track credit performance.
• Ensure analysis adheres to regulatory standards.

Skills

SQL

Analytical problem solving

Communication skills

Experience in collections and recoveries

Tools

Big Query

Python

Tableau

Power BI

Job description

About You

• Have you previously worked in a Credit Risk role?
• Do you have a strong working knowledge of SQL?
• Does the idea of joining a company who are undergoing a genuinely exciting period of change and growth appeal?

About The Role

We are seeking an inquisitive and strategically minded Credit Risk Analyst to join our growing team. The ideal candidate will have a strong foundation in analytical problem‑solving and a genuine eagerness to develop robust, insight‑driven credit risk strategies. Experience within motor finance, non‑prime lending, or collections and recoveries would be highly advantageous.

In this role, you will play a vital part in supporting our lending frameworks, helping to balance growth objectives with the financial health of our business. Your responsibilities will centre on generating proactive insights to inform credit risk strategies, moving beyond routine reporting. You will use your analytical expertise to ensure our lending approaches align with positive credit outcomes, translating data insights into informed, strategic recommendations in the ever‑changing motor finance market.

What You’ll Do

• Support Credit Strategy: Analyse data to help optimise and enhance our credit risk, affordability, and collections strategies.
• Collections & Recoveries Analysis: Assess the performance of collections activities and asset recovery processes to identify opportunities for efficiency and loss reduction.
• Data Analysis: Utilise SQL to extract and manipulate large datasets, providing the evidence base for best‑in‑class decision‑making frameworks.
• Performance Monitoring: Monitor portfolio quality across risk tiers and channels, identifying early indicators of trends or deterioration.
• Collaboration: Work closely with the wider credit risk team to support the innovation of credit and affordability strategies through practical analytics.
• Process Improvement: Assist in developing efficient processes that strike a balance between customer outcomes, operational efficiency, and business objectives.
• Reporting: Produce regular reporting to track credit performance and arrears rates across the entire risk spectrum.
• Compliance: Ensure analysis and reporting adhere to regulatory, legal, and compliance standards (including Consumer Duty), maintaining a strong commitment to customer fairness.

Your Background and Experience

You’ll have previous experience of working in a Credit Risk or Data Analyst role and will be technically proficient; knowledge of SQL is essential for data extraction and manipulation, experience with Big Query, Python, or visualisation tools (e.g., Tableau, Power BI) is a plus.

You’ll be dealing with a wide range of stakeholders up to our Senior Leadership team so strong communication skills are a must, and the ability to explain technical data concepts to non‑technical colleagues.

If you have experience of working in the motor finance or non‑prime lending market (including collections environments), that would be an advantage.

You are a proactive problem solver, who can prioritise multiple tasks in a fast‑paced environment. When an issue arises, you get involved and use your initiative to prioritise your work effectively under pressure and you have the ability to take a step back and analyse/understand the issue to ensure the correct next step is taken.

Benefits

• Discretionary bonus scheme
• Electric Vehicle salary sacrifice scheme
• Pension salary sacrifice scheme
• Private Medical
• Income Protection
• Hybrid working
• Employee Assistance Programme
• Annual £200 personal growth fund
• Paid volunteering days

Billing Finance is an equal opportunities employer. We provide reasonable adjustments to support candidates who may need them during their application journey.