Senior Credit Risk Analyst - Data-Driven Risk Oversight

Admiral Money; Cardiff; On-site; GBP 50,000 - 70,000; Full time

Job summary

Admiral Money, the dynamic lending arm of Admiral Group, is seeking a Senior Credit Risk Analyst to strengthen our Financial & Credit Risk function in Cardiff. You will provide independent risk oversight across unsecured loans, motor finance and mortgages, partnering with 1st line teams to ensure decisions align with policy and risk appetite.

This role uses data and analytics to identify emerging portfolio trends, shape credit policies, and support responsible lending while enabling sustainable

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

Admiral Money, the dynamic lending arm of Admiral Group, is seeking a Senior Credit Risk Analyst to strengthen our Financial & Credit Risk function in Cardiff. You will provide independent risk oversight across unsecured loans, motor finance and mortgages, partnering with 1st line teams to ensure decisions align with policy and risk appetite.

This role uses data and analytics to identify emerging portfolio trends, shape credit policies, and support responsible lending while enabling sustainable