Credit Risk Analyst

Jobtailor; Wellingborough; On-site; GBP 40,000 - 65,000; Full time

Job summary

Jobtailor in the United Kingdom is seeking an analytical professional to help develop lending strategies and decision rules. The role focuses on monitoring portfolio performance and identifying risk trends to support pricing and portfolio growth decisions.

You will analyse customer and broker behaviour, build risk reporting, and contribute to credit risk models and scorecards using SQL, Excel, and Power BI to drive data-led decisions.

Qualifications

• Experience in credit risk analytics.
• Asset finance, motor finance or consumer credit knowledge.
• Strong SQL, Excel and Power BI skills.
• Experience working with large datasets.
• Understanding of portfolio monitoring and risk reporting.
• Exposure to credit models or scorecards would be beneficial.
• Strong communication skills and a numerate degree.

Responsibilities

• Develop lending strategies and decision rules.
• Monitor portfolio performance and identify risk trends.
• Analyse customer and broker behaviour.
• Support pricing, collections and portfolio growth decisions.
• Build risk reporting and management insight.
• Contribute to credit risk models and scorecards.

Skills

Credit risk analytics

Large datasets

Communication skills

Education

Numerate degree

Tools

SQL

Excel

Power BI

Job description

• Develop lending strategies and decision rules
• Monitor portfolio performance and identify risk trends
• Analyse customer and broker behaviour
• Support pricing, collections and portfolio growth decisions
• Build risk reporting and management insight
• Contribute to credit risk models and scorecards

Requirements

• Experience in credit risk analytics
• Asset finance, motor finance or consumer credit knowledge
• Strong SQL, Excel and Power BI skills
• Experience working with large datasets
• Understanding of portfolio monitoring and risk reporting
• Exposure to credit models or scorecards would be beneficial
• Strong communication skills and a numerate degree

Core Competencies

Demonstrates expertise in credit risk analytics, portfolio monitoring, and risk reporting, with strong capabilities in SQL, Excel, and Power BI for data analysis and decision‑making. Knowledge of asset finance, motor finance, or consumer credit enhances the ability to develop effective lending strategies.