Lead Credit Risk Analyst — ML-Driven Risk Pricing Leader

Admiral Group Plc; Cardiff; Hybrid; GBP 75,000 - 110,000; Full time

Benefits offered by this job

Free shares programme

Up to 38 days holiday including bank

Disability Confident Leader support

Job summary

Admiral Group Plc is seeking a Lead Credit Risk Analyst to drive robust risk pricing strategies and portfolio insights within the Credit & Pricing Function. The role involves leading ML-based risk models, validating performance, and mentoring the analytics team.

The position is hybrid with monthly presence in the Cardiff office. You will influence strategic decisions across Risk, Finance and SMT, and collaborates with external data providers to maintain data quality and governance.

Qualifications

• Data Science experience with predictive models.
• Python development for analytics/model solutions.
• Expert SQL for large datasets extraction, transformation, analysis.
• Experience in lending products: Motor Finance, Homeowner Loans, or Unsecured Personal Loans.
• Strong experience maintaining risk models (PD, fraud, credit risk).
• Ability to analyze portfolio performance and translate insights into actions.
• Experience communicating findings to Risk, Finance and senior leadership.

Responsibilities

• Develop, validate, and monitor risk models (PD, fraud, death) using advanced stats and ML; ensure fit-for-purpose and governance.
• Analyze portfolio performance and identify root causes of deviations; communicate insights and actions.
• Set standards for data quality, methodology, and documentation within the risk pricing team.
• Decide on model enhancements and tool improvements (Nexus, Kairos) balancing rigor with ROI.
• Lead cross-functional initiatives to improve risk pricing, monitoring, and pricing for new products.
• Advise Line 2 risk, Finance, and SMT on risk management and appetite alignment.
• Coach analysts on modelling techniques and career development; maintain high standards.
• Maintain relationships with external data providers and ensure data quality.

Skills

Data science

Python development

SQL

Lending product experience

Risk model development

Portfolio performance analysis

Stakeholder communication

Tools

Power BI

Git

Nexus/Kairos

Job description

Admiral Group Plc is seeking a Lead Credit Risk Analyst to drive robust risk pricing strategies and portfolio insights within the Credit & Pricing Function. The role involves leading ML-based risk models, validating performance, and mentoring the analytics team.

The position is hybrid with monthly presence in the Cardiff office. You will influence strategic decisions across Risk, Finance and SMT, and collaborates with external data providers to maintain data quality and governance.