Senior Credit Strategy Analyst

Secure Trust Bank PLC.; United Kingdom; Hybrid; GBP 56,000 - 68,000; Full time

Benefits offered by this job

Discretionary bonus

Matched pension

25 days annual leave

Birthday off

Wellbeing hour

Private healthcare

Life assurance

Volunteer days

Career progression

Job summary

Secure Trust Bank Group in the United Kingdom is seeking a Senior Credit Strategy Analyst to shape lending decisions across Consumer Finance portfolios, owning credit strategies and delivering data-driven insights.

The role offers hybrid working across Solihull, Manchester or Cardiff, a 35-hour week, and a salary of £62,000 per year with discretionary bonus and a broad benefits package.

Qualifications

• Degree (or equivalent) in a quantitative field required.
• Extensive experience in Credit Risk Strategy and portfolio analytics.
• Experience with consumer lending credit strategies and decisioning systems.
• Ability to communicate insights to senior stakeholders with impact.

Responsibilities

• Own and optimise credit risk strategies across the customer lifecycle.
• Identify portfolio trends and opportunities through analytics.
• Support development of credit strategies and embedded finance propositions.
• Collaborate with Decision Scientists and other functions to maximise model performance.

Skills

Credit Risk Strategy

Portfolio Analytics

Decision Science

Credit Reference Data

Stakeholder communication

Unsecured lending

Education

Degree in Mathematics, Statistics, Economics, Data Science, CS or similar

Tools

SQL

Python

SAS

Job description

Job Role: Senior Credit Strategy Analyst

Location: Solihull, Manchester or Cardiff (with hybrid working)

Salary: £62,000 pa

Hours: 35 hours per week

About the company

Our customers are at the heart of everything we do, but we can’t achieve our customer focused strategy without the right people in our team.

At Secure Trust Bank, we know that people are our biggest Asset, which is why a career with us is not just a job. It’s the chance to be part of something bigger, to add real value to the Bank and help us constantly improve. We believe in giving our staff autonomy, with initiative and exceptional performance recognised through a variety of individual and team awards and incentives. All our employees have a tangible impact on the Group’s core values, and we are looking for candidates who are enthusiastic, proactive and enjoy working in a fast paced environment.

Why Join Us?

• A competitive salary and benefits package including discretionary bonus
• Matched pension contributions
• 25 days annual leave plus bank holidays and your birthday off, on us!
• A monthlywellbeinghour to spend doing whatever makes you happy
• A wide range of flexible benefits from Cycle2Work to private healthcare
• Life assurance
• Paid volunteering days and matched charity fundraising
• A collaborative and flexible working environment
• Opportunities for professional development and career progression
• A chance to make a real impact in a regulated, purpose-driven organisation

Join us at Secure Trust Bank Group

We’re transforming how we make lending decisions through data, analytics and technology.

We’re building a modern Credit Strategy and Decision Science capability that combines commercial thinking, advanced analytics and automation to deliver better outcomes for our customers.

What you`ll be doing

As a Senior Credit Strategy Analyst, you’ll play a key role in shaping lending decisions across our Consumer Finance portfolios. You’ll have ownership of credit strategies, influence portfolio performance and work across both established and evolving lending propositions, helping us identify new opportunities and develop strategies that support responsible, sustainable growth.

This is an opportunity for someone who enjoys solving complex business problems, taking ownership and helping shape the future direction of a growing lending business. This is a hands‑on strategy role focused on shaping lending decisions, not simply reporting on performance.

• Own, develop and optimise credit risk strategies across the customer lifecycle.
• Lead analytical investigations to identify portfolio trends, risks and commercial opportunities.
• Support the ongoing optimisation of the V12 retail finance portfolio through data‑driven strategy changes.
• Support the development of embedded finance propositions through robust credit strategy and analytical insight.
• Monitor portfolio performance and recommend strategy changes that improve customer and commercial outcomes.
• Produce high‑quality analysis and recommendations for senior stakeholders.
• Use SQL, Python, SAS or similar analytical tools to solve business problems and automate processes.
• Work closely with Decision Scientists to understand predictive models and ensure strategies maximise model performance.
• Support junior analysts in their day‑to‑day analytical and risk management activities.
• Collaborate with Finance, Product, Operations and Technology to deliver strategic initiatives.
• Continuously identify opportunities to improve processes, automation and customer outcomes.

Why This Role Matters

Our Credit Strategy team sits at the heart of lending decisions, balancing commercial growth with responsible lending.

You’ll be trusted to own strategy, identify opportunities through analytics and work closely with Decision Science, Product, Finance and Operations to continuously improve customer outcomes and portfolio performance.

As our lending propositions continue to evolve, you’ll have the opportunity to influence how we lend, manage risk and deploy increasingly sophisticated analytical and decisioning capabilities.

What we`re looking for

• Degree (or equivalent experience) in Mathematics, Statistics, Economics, Data Science, Computer Science, Engineering or another quantitative discipline.
• Extensive experience in Credit Risk Strategy, Portfolio Analytics or Decision Science.
• Experience developing and optimising credit strategies within consumer lending.
• Strong understanding of portfolio management, underwriting strategies and customer lifecycle optimisation.
• Experience using Credit Reference Agency data and decisioning systems.
• Strong SQL skills with experience in SAS, Python or similar analytical tools.
• Experience producing insight for senior stakeholders and influencing business decisions.
• Excellent analytical and problem‑solving skills.
• Experience across unsecured consumer lending, personal loans, retail finance or other consumer credit products would be advantageous.
• Experience supporting new lending propositions, product launches, partnerships or new distribution channels would be beneficial.
• Experience assessing new credit opportunities and translating analysis into practical lending strategies would be advantageous.

Everyone is different. Everyone is valued

As part of our vision to become the most trusted specialist lender in the UK,we’ve been helping customers and businesses fulfil their ambitions since 1952. Inthat time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our peoplebeing ourstrength; specialist, expert, ambitious and also diverse. Allofour people are differentand this is something we celebrate.

Every one of our employees brings unique talent, ability and perspective to their role.

That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace andsupportdiversity, work with leading industry bodies andpromoteinitiatives that reinforce our philosophy of giving you the freedom to be who you are.

We’re an award-winning bank providing savings accounts andlending servicesto overone million customer. We’re Secure Trust Bank Group. We embrace difference.