Credit Risk Analyst

Harnham; West Midlands; Hybride; GBP 35 000 - 45 000; Plein temps

Avantages offerts par ce poste

Hybrid working

Learning and development

Career progression

Exposure to diverse projects

Résumé du poste

Harnham is seeking a Credit Risk Analyst for a well-established consumer business. You will support insight-led risk strategies across customer portfolios, delivering regular reports, identifying trends, and translating findings into actionable recommendations.

Hybrid role with one day per week in the office. You will work with senior colleagues, build dashboards, and help shape lending strategy through data-driven decisions.

Qualifications

• Strong commercial analytics experience and insight generation.
• Ability to turn analysis into actionable recommendations and business outcomes.
• Experience identifying trends and influencing decision making through data.
• Strong SQL skills are essential.
• Experience in financial services is desirable but not required.

Responsabilités

• Producing regular reporting and ad hoc analysis across new and existing customers.
• Identifying trends, opportunities, and risks within customer and portfolio performance.
• Delivering deep-dive analysis and translating findings into clear recommendations.
• Supporting senior analysts with strategy development and performance monitoring.
• Building dashboards, reports, and presentations for key stakeholders.
• Using data to drive business decisions and influence change.
• Developing expertise across credit risk, lending performance, and customer behaviour

Connaissances

Analytics

SQL

Stakeholder engagement

Communication

Formation

Bachelor's degree

Outils

SQL

Description du poste

Looking for a role where you can use data to influence real commercial decisions and build a long-term career in credit risk? This is an excellent opportunity to join a high-performing analytics team within a well-established consumer business, where you'll gain exposure to lending strategy, portfolio analysis, and risk decisioning while benefiting from strong mentorship and structured development.

The Company

This organisation is a leading consumer-facing business with a large and established customer base. They operate a significant lending portfolio and use data-driven decision making to optimise customer outcomes and business performance. Their Credit Risk team is highly regarded internally and is known for investing heavily in learning, development, and career progression. As the team continues to grow, they are looking for an analyst who is keen to develop their expertise and take on increasing responsibility.

The Role

As a Credit Risk Analyst, you will support the delivery of insight-led risk strategies across customer portfolios.

Key responsibilities include:

• Producing regular reporting and ad hoc analysis across new and existing customers
• Identifying trends, opportunities, and risks within customer and portfolio performance
• Delivering deep-dive analysis and translating findings into clear recommendations
• Supporting senior analysts with strategy development and performance monitoring
• Building dashboards, reports, and presentations for key stakeholders
• Using data to drive business decisions and influence change
• Developing expertise across credit risk, lending performance, and customer behaviour

Your Skills & Experience

• Strong commercial experience in analytics and insight generation
• Ability to turn analysis into actionable recommendations and business outcomes
• Experience identifying trends and influencing decision making through data
• Strong SQL skills are essential
• Experience within financial services is highly desirable, although candidates from other analytical environments such as telecoms, energy, or consumer sectors will also be considered
• Degree educated
• Strong communication and stakeholder engagement skills

What They Offer

• Salary between £35,000 and £45,000
• Hybrid working with one day per week in the office
• Strong learning and development opportunities
• Clear progression pathway into senior analytics and credit strategy roles
• Exposure to a broad range of projects and business stakeholders
• Collaborative team environment with hands‑on support from experienced leaders