Job Overview

Alexander Daniels Finance Recruitment is proud to be recruiting a Senior Credit Risk Analyst on behalf of a globally recognised brand in consumer lending within the financial services sector.

This is a high-impact opportunity for a Senior Credit Risk Analyst to join a forward-thinking Risk Analytics team and help shape credit strategy across a diverse UK lending portfolio.

Responsibilities

You’ll play a pivotal role in shaping how credit decisions are made across the business. From acquisition to customer management, you’ll be responsible for:

• Designing and optimising credit strategies across cards, loans, retail and motor finance.
• Developing and validating scorecards, affordability models, pricing and limits strategies using CRA data.
• Presenting analytical insights and recommendations directly to senior stakeholders and risk committees.
• Monitoring portfolio performance, identifying emerging trends, and driving proactive solutions.
• Leading and mentoring junior analysts, ensuring high-quality outputs and timely delivery.
• Collaborating with Risk, Finance, Marketing, and Operations to deliver joined-up solutions.
• Supporting regulatory compliance while driving commercial performance.

Requirements

We’re looking for someone who combines technical depth with strategic thinking:

• Degree (or higher) in a quantitative field: Statistics, Maths, Computer Science, ML, AI.
• Strong coding skills in SAS, SQL or Python.
• Deep understanding of credit lifecycle, CRA data, and consumer lending risk.
• Experience in modelling, forecasting, and strategy development.
• Excellent communication and presentation skills—you’ll be visible at the top.
• A proactive mindset with a passion for innovation and continuous improvement.
• Experience working with lending products such as cards, loans, retail or motor finance is a plus.

Benefits

This isn’t just a job—it’s a career accelerator. Our client is known for promoting from within, and this role offers a clear path to leadership and strategic influence. You’ll be joining a business that values curiosity, collaboration, and continuous learning.

High-impact role with executive visibility

Hybrid working (3 days onsite in Birmingham)

Opportunity to lead, mentor, and grow

Amazing career progression opportunities

Strong internal mobility and development culture

Be part of a globally respected consumer finance brand

Supportive, inclusive team environment with real ownership

Ready to make your mark?

Apply now and help shape smarter, fairer credit strategies for the future.

Salary: Up to £60,000 plus Bonus (depending on experience)