Senior Credit Risk Analyst - In-life lending (12 month FTC)

Very Group; Liverpool; Hybrid; GBP 45,000 - 60,000; Full time

Job summary

A leading retail firm in the UK is seeking a Senior Credit Risk Analyst on a 12-month Fixed Term Contract. This role involves optimizing credit decisions and strategies using data insights, while analyzing customer behavior to support business performance. Candidates should be highly proficient in SQL and SAS, preferably with experience in credit risk or lending. The position offers a flexible hybrid working model alongside attractive benefits including a flexible benefits allowance and generous holiday package.

Benefits

Flexible, hybrid working model

£1000 flexible benefits allowance

30 days holiday + bank holidays

LinkedIn learning access

Bonus potential

Up to 25% discount on Very.co.uk

Matched pension up to 6%

Qualifications

• You should be curious, analytical, and detail-oriented.
• Degree educated or have practical experience in credit risk analysis.
• Proficient in SQL, SAS, and advanced Microsoft Excel.

Responsibilities

• Optimize lending strategies and credit decisions using data insights.
• Analyze customer behavior and provide recommendations.
• Implement changes to improve decision-making.

Skills

SQL

SAS

Microsoft Excel

Credit Risk experience

Education

Degree in a relevant field

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 (12 month Fixed Term Contract) 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.