Senior Credit Risk Analyst

PeopleGenius; Manchester; Hybrid; GBP 60,000 - 70,000; Full time

Benefits offered by this job

Discretionary bonus

Hybrid working

35-hour week

Matched pension

Generous holiday allowance

Healthcare options

Wellbeing time

Growth opportunities

Job summary

PeopleGenius is seeking a Senior Credit Strategy Analyst for Consumer Lending in the UK. You will own credit strategies across the lifecycle, turning analysis into commercial decisions and partnering with modelling, product, finance and tech to drive big initiatives.

Based in Manchester with hybrid working, the role offers £60–70k base plus discretionary bonus, a 35-hour week, pension, generous holidays and healthcare options as the lending business expands.

Qualifications

• Proven experience in credit risk strategy and portfolio analytics within consumer lending.
• Strong SQL and either SAS or Python experience.
• Ability to turn analysis into a business case for senior leaders.
• Experience with credit bureau data and decision engines.

Responsibilities

• Own and refine credit strategies across the lifecycle and continuously test them.
• Analyze portfolio data to spot emerging risks, trends and growth opportunities.
• Drive strategy changes on a large point‑of‑sale finance book.
• Collaborate with the modelling team to maximise scorecard value.
• Automate repetitive work using SQL, Python or SAS.
• Coach and support junior analysts.
• Collaborate with Product, Finance, Ops and Tech to deliver initiatives.

Skills

Credit risk strategy

Portfolio analytics

Decision science

Lending strategies

Credit bureau data

Scorecards

Education

Numerate degree (Maths/Stats/Econ/Engineering/CS)

Tools

SQL

SAS

Python

Job description

Senior Credit Strategy Analyst | Consumer Lending

Plenty of analysts tell the business what went wrong last quarter. This role gets to decide who the bank lends to next.

Why this one stands out

Our client is an established UK lender that is investing heavily in data-led decisioning. They’re pulling strategy, analytics and automation together into one modern team, and they want an experienced credit strategist to help lead it. You won’t be producing reports for someone else to act on. The strategies will be yours to own.

You’ll bring

• A solid background in credit risk strategy, portfolio analytics or decision science within consumer lending
• Proven experience building and fine-tuning lending strategies, from acquisition and underwriting through to existing customer management
• Confidence working with credit bureau data and decision engines
• Strong SQL, ideally alongside SAS or Python
• A numerate degree (Maths, Stats, Economics, Engineering, Computer Science or similar), or equivalent experience
• The ability to turn analysis into a commercial argument that senior leaders act on

Where you’ll make your mark

• Taking ownership of credit strategies across the lifecycle, then constantly testing and improving them
• Digging into portfolio data to spot emerging risks, trends and opportunities for growth
• Driving strategy changes on a large point-of-sale finance book
• Helping design the credit approach for new partnership and point-of-sale lending products
• Teaming up with the modelling team so every strategy gets maximum value from the scorecards
• Automating the repetitive work using SQL, Python or SAS
• Coaching and supporting more junior analysts
• Working with Product, Finance, Ops and Tech to bring big initiatives to life

Experience in personal loans, retail or point-of-sale finance, or unsecured credit, or a hand in launching new lending products, channels or partnerships.

The package

£60–70k base plus a discretionary bonus, hybrid working, a 35-hour week, a matched pension, strong holiday allowance, flexible benefits including healthcare options, extra time set aside for wellbeing, and plenty of room to grow as the lending business expands.

Hybrid, working from Manchester, London, the Midlands or South Wales. You’ll need to be UK-based and within commuting distance of one of these locations.

The full job description is available on request.

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