Senior Credit Risk Analyst – Consumer Lending
Hybrid, Cardiff
c.£60,000
Identify Solutions are searching for a Senior Credit Risk Analyst to join an ambitious and growing lending business backed by a leading financial services group. If you’re looking to step into a role where you can truly influence credit strategy, work across multiple product lines, and collaborate with highly engaged stakeholders – this could be the one.
You’ll be part of a second-line credit risk oversight team that’s hands-on, analytical, and proactive – not your typical “policy review” role. You’ll dig deep into performance data, help shape credit policies, and provide independent challenge across the business.
What You’ll Be Doing
- Providing independent oversight across unsecured personal loans, motor finance, and mortgages
- Partnering with first-line credit and pricing teams to ensure lending aligns with policy and risk appetite
- Analysing Data to identify emerging trends and improvement opportunities
- Helping enhance credit policies and controls across all lending products
- Presenting clear, actionable insights to stakeholders at all levels
What We’re Looking For
- Proven experience in consumer credit risk (e.g. acquisitions, collections, strategy, portfolio)
- Strong data analytics experience
- Able to independently investigate, challenge, and communicate risk issues
- Background in retail/consumer lending
What’s On Offer
- c.£60,000 base salary
- Strong benefits package
- Hybrid working – ideally 1-2 days a week in Cardiff – more flexible options open for discussion
- Exposure to a range of lending products and senior-level stakeholders
- Join a small, collaborative team where your voice makes a real impact
If you’re looking to take the next step in your credit risk career and want more influence, variety, and challenge – we’d love to hear from you.
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