Lead Credit Risk Modeling Analyst (Hybrid)

Admiral Money; Cardiff; Hybrid; GBP 70,000 - 100,000; Full time

Benefits offered by this job

Free shares

Annual leave 33–38 days

Extra leave buy/sell

Job summary

Admiral Money, part of Admiral Group, is seeking a Lead Credit Risk Analyst in a hybrid Cardiff role. You will drive risk pricing strategies, develop and validate PD, fraud and death models, and deliver portfolio insights. Lead analytical workstreams, mentor a team and ensure governance and regulatory standards are met.

The role requires strong data science, Python and SQL skills, plus experience with lending products and stakeholder influence. Cardiff office attendance is monthly.

Qualifications

• Data Science experience with a strong track record of developing, validating and monitoring predictive models.
• Python development to build and enhance analytical solutions.
• Expert SQL experience with large datasets and complex queries.
• Experience in lending products such as Motor Finance or unsecured loans is desirable.
• Strong risk model experience (PD, fraud, credit risk) using statistics and ML.
• Ability to analyse portfolio performance and propose data-driven actions.
• Experience communicating findings to Risk, Finance and senior leadership.

Responsibilities

• Own development, validation and performance of risk models (PD, fraud, death).
• Analyse portfolio performance and identify root causes of deviations.
• Set analytical standards and governance for the risk pricing team.
• Decide on model enhancements and tool improvements (Nexus, Kairos).
• Drive cross-functional pricing strategies and portfolio monitoring.
• Advise on risk, finance and SMT on risk appetite and loss performance.
• Coach analysts in modelling techniques and career progression.

Skills

Data science

Python

SQL

Lending products

Risk models

Portfolio analysis

Stakeholder comms

Mentoring

Tools

Power BI

Git

Nexus

Kairos

Job description

Admiral Money, part of Admiral Group, is seeking a Lead Credit Risk Analyst in a hybrid Cardiff role. You will drive risk pricing strategies, develop and validate PD, fraud and death models, and deliver portfolio insights. Lead analytical workstreams, mentor a team and ensure governance and regulatory standards are met.

The role requires strong data science, Python and SQL skills, plus experience with lending products and stakeholder influence. Cardiff office attendance is monthly.