Credit Risk Analyst

Billing Finance Limited; Northampton; On-site; GBP 35,000 - 55,000; Full time

Benefits offered by this job

Discretionary bonus scheme

Electric Vehicle salary sacrifice

Pension salary sacrifice scheme

Private Medical

Income Protection

Employee Assistance Programme

Job summary

Billing Finance Limited in Northampton is seeking a Credit Risk Analyst to develop insights-driven credit risk strategies and support lending frameworks in a fast-paced growth phase.

The role focuses on turning complex data into practical business recommendations, with exposure to motor finance-related risk and collaboration with senior leadership to influence commercial decisions.

Qualifications

• Proven experience in Credit Risk or Data Analyst roles.
• Strong SQL ability for data extraction and manipulation.
• Experience with BigQuery, Python, or visualization tools is a plus.

Responsibilities

• Analyse data to optimise credit risk, affordability, and collections strategies.
• Assess performance of collections activities and asset recovery processes.
• Utilise SQL to extract and manipulate large datasets for decision making.
• Monitor portfolio quality across risk tiers and channels to spot trends.
• Collaborate with the credit risk team to develop innovative analytics-driven strategies.
• Help improve processes balancing customer outcomes and business goals.
• Produce regular reports tracking credit performance and arrears.

Skills

Analytical problem solving

Stakeholder communication

Tools

SQL

BigQuery

Python

Tableau

Power BI

Job description

• 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.

You will join a growing Credit Risk team that values strategic thinking and commercial awareness. We need someone who can see the bigger picture and confidently present clear, data-driven recommendations. This is a great opportunity for someone who enjoys credit risk strategy, knows how to turn complex data into practical business insight, and wants to grow their career in a fast-paced environment.

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’ve experience of working in the motor finance or non-prime lending market (including collections environments), that would be an advantage.

You’re 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.

About Billing Finance

We are a privately-run family owned vehicle financing Company based on the outskirts of Northampton. We focus on customers with non-standard credit profiles that may not fit the automated underwriting processes of other lenders. Our mission is to help get all our people, including customers and staff “where they need to be” by “putting them at the heart of everything we do”. We are entering an exciting phase of transformation and as a small company, this role will offer the successful candidate the opportunity to work across the whole customer journey cycle, and to directly see the impacts that they made.

Our values are:

• We are responsible – We are conscious of our impact on people and planet
• We care about you – We are kind and compassionate with our customers and with each other
• We work with you – We support financial wellbeing for our customers and the wider community

The successful candidate will not only have a successful and fulfilling career with us but will also receive a fantastic range of benefits:

• Discretionary bonus scheme
• Electric Vehicle salary sacrifice scheme
• Pension salary sacrifice scheme
• Private Medical
• Income Protection
• Employee Assistance Programme

The Recruitment Process and How We Will Use Your Data

The recruitment process will involve obtaining information and/or exchanging it with the following organisations to assist with our pre-employment checks prior to interview.

• Credit Reference Agencies – to complete a soft credit check to understand your financial history
• CIFAS – to check both National and Internal databases for fraudulent activity. The personal information we have collected from you will be shared with Cifas who will use it to prevent fraud, other unlawful or dishonest conduct, malpractice, and other seriously improper conduct. If any of these are detected, you could be refused certain services or employment. Your personal information will also be used to verify your identity. Further details of how your information will be used by us and Cifas, and your data protection rights, can be found here https://www.cifas.org.uk/fpn .

To complete these checks, you will be asked to provide your address history for the past six years, along with your full name and date of birth.

The successful candidate will be required to undergo a Basic DBS check to comply with our FCA compliance framework. A satisfactory Basic Disclosure showing no unspent convictions is a prerequisite for this position.

We may also ask for proof of your right to work status or evidence of any qualification or experience prior to being offered employment. Further information on how we collect and use your data during the recruitment process can be found in our Privacy Policy here https://billingfinance.co.uk/privacy-policy/

Billing Finance is an equal opportunities employer, and we understand that for some candidates to perform their best they may need some reasonable adjustments. If we can make your application journey with us more suitable for you, please do let us know and we will endeavour to help.