Senior Credit Risk Analyst - In-life lending

Very Group; Liverpool; Hybrid; GBP 45,000 - 65,000; Full time

Job summary

A leading retail organization in Liverpool is seeking a Senior Credit Risk Analyst to join their Existing Customer Management team. This role involves optimizing lending strategies based on data insights and collaborating with teams to enhance customer experiences. Ideal candidates will be analytical, have strong SQL and Excel skills, and experience in credit risk. This position offers a flexible, hybrid working model along with competitive benefits.

Benefits

Flexible, hybrid working model

30 days holiday plus bank holidays

£1000 flexible benefits allowance

LinkedIn learning access

Bonus potential

Discount on company products

Qualifications

• Curious, analytical, and logical with a keen eye for detail.
• Team player who can establish relationships quickly.
• Customer outcome focused and commercially aware.

Responsibilities

• Optimise lending strategies using data-driven insights.
• Deliver actionable recommendations to stakeholders.
• Implement changes to improve decision-making.

Skills

Analytical thinking

SQL proficiency

SAS skills

Advanced Microsoft Excel

Education

Degree in relevant field or equivalent experience

Tools

Power BI

Job description

About us.

We are The Very Group and we’re here to help families get more out of life. We know that our customers work hard for their families and have a lot to balance in their busy lives. That’s why we combine amazing brands and products with flexible payment options on Very.co.uk to help them say yes to the things they love. We’re just as passionate about helping our people get more out of life too; building careers with real growth, a sense of purpose, belonging and wellbeing.

About the role.

We’re looking for a Senior Credit Risk Analyst to join our Existing Customer Management team within Credit Risk. This is your chance to work in a fast-paced, dynamic environment where your insights will directly influence customer outcomes and business performance.

What you\'ll be doing:

• Optimise lending strategies and in-life credit decisions using data-driven insights.
• Analyse customer behaviour and deliver actionable recommendations to senior stakeholders.
• Implement systemic changes to improve decision-making and customer experience.
• Collaborate with internal teams and trusted third-party partners to explore new opportunities.

About you.

• You’re curious, analytical and logical by nature with a keen eye for detail.

• You’re degree educated (and/or) have practical experience in a similar type of role.

• Highly proficient with SQL, SAS and advanced Microsoft Excel skills too (exposure to Power BI would be advantageous but not essential).

• Experience of Credit Risk, particularly experience within credit lending, would be advantageous.

• You’re a team player who can quickly establish relationships with our existing team and key stakeholders

• We’re also interested in your softer skills - your ability to coach and develop other analysts, along with the ability to solve complex problems and relay solutions in a simple, clear and concise way.

• Customer outcome focussed and commercially aware with the ability to communicate across all levels of the business managing key stakeholders in an appropriate manner, influencing them and providing challenge where necessary.

Some of our benefits

• Flexible, hybrid working model
• Inclusive culture and environment, check out our Glassdoor reviews
• £1000 flexible benefits allowance to suit your needs
• 30 days holiday + bank holidays
• LinkedIn learning access
• Bonus potential (performance and business-related)
• Up to 25% discount on Very.co.uk

• Matched pension up to 6%
• More benefits can be found on our career site

How to apply

Please note that the talent acquisition team are managing this vacancy directly, and if successful in securing this role, you may be required to undertake a credit, CIFAS and DBS check.

What happens next?

Our talent acquisition team will be in touch if you’re successful so keep an eye on your emails! We’ll arrange a short call to learn more about you, as well as answer any questions you have. If it feels like we’re a good match, we’ll share your CV with the hiring manager to review. Our interview process is tailored to each role and can be in-person or held remotely.

You can expect a two-stage interview process for this position:

1st Stage – A 30-45 minute video call with the hiring team to discuss your skills and relevant experience. This is a great opportunity to learn more about the role and ask any questions you may have.

2nd Stage – A one-hour formal onsite interview where you can expect both competency and technical questions.

As an inclusive employer please do let us know if you require any reasonable adjustments.

If you\'d like to know more about our interviews, you can find out here.

Equal opportunities

We’re an equal opportunity employer and value diversity at our company. We do not discriminate based on race, religion, colour, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.