Senior Credit Risk Analyst

Admiral Group Plc; Cardiff; Hybrid; GBP 55,000 - 75,000; Full time

Benefits offered by this job

33 days holiday (38 max)

Share options up to £3,600

Disability Confident Leader

Great Place to Work recognitions

Job summary

Admiral Money, the lending arm of Admiral Group, is seeking a Senior Credit Risk Analyst to provide independent oversight of credit strategies across unsecured loans, motor finance and mortgages. You will partner with Credit and Pricing teams to ensure decisions fit risk appetite, policy, and regulatory standards.

Role sits in the Credit Policy and Oversight team, using data analytics to identify portfolio trends and strengthen governance while supporting responsible growth.

Qualifications

• 2+ years credit risk experience in consumer lending.
• Strong SQL coding knowledge.
• Strong Excel skills.
• Strong communication skills.

Responsibilities

• Provide independent risk oversight of credit strategies across our three lending portfolios.
• Partner with 1st line Credit and Pricing teams to ensure lending decisions align with risk appetite and policy.
• Use advanced analytics to conduct deep-dive reviews and identify emerging portfolio trends.
• Shape and enhance credit policies that protect both the business and its customers.
• Lead thematic reviews to ensure consistent application of risk frameworks.
• Assess proposed strategy changes against regulatory requirements and risk appetite.
• Champion robust controls and governance across lending operations.
• Provide crucial second-line challenge and insights to support risk management.
• Ensure compliance with FCA requirements while enabling business growth.

Skills

Credit risk

SQL

Excel

Communication

Job description

We are recruiting for aSenior Credit Risk Analyst to join our team at Admiral Money.

About us

Admiral Money is the dynamic lending arm of Admiral Group, offering personal loans, motor finance, and homeowner loans since 2017. We’re building something special for our customers and are looking for curious, driven individuals ready to learn, take on challenges, and make an impact.

We’re proud to be a certified Great Place to Work for over 25 years, with recognition for Women and Wellbeing. Our inclusive culture empowers everyone to Be You.

Need support during the recruitment process? Just let us know – we’re here to help.

The role

This role sits within our Financial & Credit Risk function where our mission is to provide robust risk management solutions for our three product lines (Unsecured Loans, Motor Finance and Mortgages).

The role sits within the Credit Policy and Oversight team and is responsible for providing independent risk oversight of credit strategies across lending portfolios, ensuring lending decisions align with risk appetite, policy and regulatory requirements.

Working across multiple lending products, the role provides an opportunity to partner closely with 1st line Credit and Pricing teams, using data and analytics to support effective risk management, responsible lending and sustainable business growth.

We're a forward-thinking lender where effective risk management is paramount. This role offers an exciting opportunity to contribute to maintaining high risk standards while supporting growth and responsible lending. The successful candidate will play an important role in ensuring lending remains both commercially successful and customer-focused across multiple product lines.

Responsibilities

• Provide independent risk oversight of credit strategies across our three lending portfolios.
• Partner with 1st line Credit and Pricing teams to ensure lending decisions align with risk appetite and policy.
• Use advanced analytics to conduct deep-dive reviews and identify emerging portfolio trends.
• Shape and enhance credit policies that protect both the business and its customers.
• Lead thematic reviews to ensure consistent application of risk frameworks.
• Assess proposed strategy changes against regulatory requirements and risk appetite.
• Champion robust controls and governance across lending operations.
• Provide crucial second-line challenge and insights to support risk management.
• Ensure compliance with FCA requirements while enabling business growth.

Skills & Experience

Essential

• 2+ years credit risk experience in consumer lending.
• Strong SQL coding knowledge.
• Strong Excel skills.
• Strong communication skills.

Desirable

• Deep understanding of FCA CONC, MCOB and consumer credit regulation.
• Portfolio analysis background.
• Credit strategy background.

Admiral: Where You Can

• We take pride in being a diverse and inclusive business.
• It's a place where you can Be You, and show up as you are.
• We’re committed to fostering a people-first culture where everyone is accepted, supported, and empowered to be brilliant.
• You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service.
• Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays).
• You also have the option to buy or sell up to an additional five days of annual leave.
• We’re proud of our people-first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics.
• Our fantastic benefits make sure our colleagues have a great work-life balance; You can view some of our other key benefits here.
• As a Disability Confident Leader, for candidates with a disability or long-term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process.

If you need any adjustments or support with your application or during the recruitment process, just let us know. Please do email [e-mail] contact us on 07970136735. This number is dedicated to supporting candidates that require reasonable adjustments or support during the application process.

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