Senior Credit Risk Analyst

SmartRecruiters, Inc.; Crewe; Hybrid; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Competitive pay

Bonus potential

Benefits package

Job summary

Radius seeks a Senior Credit Risk Analyst to own credit insights for a division, partnering with senior leadership to shape decisions. You will automate reporting, deliver predictive insights, and influence policy using robust data sources.

Based in Crewe, the role emphasizes building trusted relationships, presenting clear recommendations, and driving continuous improvement with minimal supervision.

Qualifications

• No specific formal qualifications required; a degree in Data Analytics, Data Science, Mathematics, Statistics, Economics, Finance or a related discipline would be advantageous.

Responsibilities

• Act as embedded credit analytics partner for the division, supporting portfolio performance, risk management and strategic decision-making.
• Identify analytical opportunities, scope risks, and prioritise improvements; reshape reporting to support business decisions.
• Design and implement automated SQL and Tableau reporting to reduce manual work and improve data reliability.
• Deliver root-cause analysis, trend identification and predictive insights on portfolio performance and customer behaviour.
• Contribute to design of credit policy, limits, and provide analytical evidence for policy decisions.

Skills

Advanced SQL

Advanced Tableau

Advanced Excel

Automation

Commercial judgement

Stakeholder management

Data-driven insight

Self-directed

Credit risk principles

Education

Data Analytics degree

Data Science degree

Statistics degree

Tools

SQL

Tableau

Excel

Job description

We're an ambitious, forward-thinking global business who build transformative solutions for our customers to deliver best-in-class sustainable mobility, connectivity, and technology solutions. We support our customers with a range of products and services to meet their needs.

Since 1990 our ambition has never wavered. From humble beginnings, our vision and drive has seen us venture into new markets with confidence and stay ahead of market trends. Our mission is to help businesses of all sizes adapt to the future and take advantage of the opportunities that change brings. Sustainability is at the core of our offering. With our leading e-mobility solutions, we're committed to guiding businesses through the energy transition, building solutions for a more sustainable, connected future.

Job Description

The Senior Credit Risk Analyst owns credit insight for a single business division. This is a strategic, business partnering role: you are not here to run reports, you are here to decide what should be measured, build the means to measure it automatically, and then use it to change how the division makes credit decisions. You will act as the credit voice inside your division. Challenging commercial assumptions with evidence, setting the analytical agenda without being directed, and turning a portfolio of manual reporting into a small number of automated, trusted, decision-grade products. Success in this role is measured by the decisions your work changes and the loss it prevents, not by the volume of reporting produced. We will be happy to welcome you to our office in Crewe, with working hours from Monday to Friday from 8.30 am to 5 pm.

Your daily responsibilities will be

• Business partnering. Act as the embedded credit analytics partner for your division, working directly with operational, commercial and senior leadership teams to support portfolio performance, risk management and strategic decision-making.
• Set the analytical agenda. Proactively identify, scope and prioritise analytical opportunities, emerging risks and performance improvement initiatives without relying solely on stakeholder requests. Re-shape reporting. Review and rationalise existing reporting, ensuring management information is focused on supporting business decisions and delivers measurable value.
• Automate. Design and implement automated SQL and Tableau reporting and analytics solutions that reduce manual production, improve efficiency and data reliability, and enable analyst time to be focused on insight generation, interpretation and business impact rather than data assembly.
• Own the insight. Deliver root-cause analysis, trend identification and predictive insights across portfolio performance, default rates, recoveries, bad debt and customer behaviour, presenting recommendations directly to stakeholders.
• Influence policy. Contribute to the design of credit policy, limit setting etc. bringing divisional evidence into framework decisions. Influence policy and strategy Provide analytical evidence to support credit strategy, policy development, risk appetite decisions and continuous improvement initiatives across the division.

What do we expect from you?

• Advanced SQL: able to design, optimise and document multi-stage queries and data models against a large warehouse independently, and to define the data structures others will build on.
• Advanced Tableau: able to architect dashboards and data sources from scratch, not only maintain existing ones, with a clear view of what belongs on a dashboard and what does not.
• Advanced Excel: able to build, stress-test and defend models used in decision-making.
• Proven ability to automate manual reporting processes end to end and demonstrate the time and risk saved.
• Strong commercial judgement: Able to interpret portfolio performance, identify key drivers and emerging risks, and translate complex data into clear recommendations that support operational and strategic decision making.
• Credibility with senior audiences and business partnering capability: Proven ability to build trusted relationships with stakeholders, influence business decisions through evidence-based, data-driven insight, and confidently present and defend findings and recommendations to divisional leadership.
• Self-directed and strategically focused: Able to identify opportunities for performance improvement, determine analytical priorities and deliver outcomes with minimal supervision.
• Strong grounding in credit and risk principles: exposure, default, recovery, provisioning and portfolio monitoring, and the judgement to apply them to live customer decisions.

Qualifications

No specific formal qualifications are required; however, a degree in Data Analytics, Data Science, Mathematics, Statistics, Economics, Finance or a related discipline would be advantageous.

Significant experience delivering credit, risk, portfolio analytics or commercial analytics within a complex business environment is essential. Candidates must be able to demonstrate a track record of influencing business decisions through data-driven insight, leading analytical projects, and delivering automation or process improvement initiatives. This role is expected to lead analytical work and represent the department to divisional leadership.

Additional Information

What to expect from us?

• A friendly culture that reflects our proposition to customers.
• A fast-growing organization that defines itself as agile and innovative.
• A drive for continuous improvement, which will give you the opportunity to support from day one.
• A commitment to building a work environment that values inclusivity, innovation, agility and grit.

And, of course, competitive pay, a potential bonus, and a good range of basic benefits.

Diversity, Equality & Inclusion at Radius

Our global DEI networks champion LGBTQ+ inclusion, cultural diversity, women's empowerment and mental health, neurodiversity and disability support.

We also offer:

• Global Female Health Policy & Female Health Champions
• Pregnancy Loss and Fertility Treatment Policies
• Endometriosis Friendly Employer (UK)
• Mental Health First Aiders
• Disability Confident Committed Employer (Level 1)
• Race at Work Charter signatory
• Proud sponsor of Crewe Pride (5years running) and Cheshire Pride Awards Corporate Supporter 2025
• Community network driving charity and volunteering initiatives, with 8 consecutive years of participation in the UK Challenge.
• Give as you earn scheme (payroll giving) and match funding

Radius is an equal opportunities employer. We are committed to welcome people regardless of age, disability, gender identity, race, faith or belief, sexual orientation or socioeconomic background.

We are committed to ensuring an inclusive and accessible recruitment process for all candidates. If you require any adjustments or accommodations at any stage of the process, please let us know, and we will do our best to support you.

We reserve the right to close a vacancy before the closing date in the event of an overwhelming response or a change in business priorities.