Senior Credit Risk Strategy Analyst
- Salary: up to £55,000 + excellent benefits
- Hybrid – Cardiff (1–2 days per week in the office)
We’re looking for an experienced Senior Credit Risk Strategy Analyst to join a growing, ambitious financial services business. This role is all about shaping and optimising the credit acquisition strategies - ensuring responsible lending, growing sustainably, and delivering great outcomes for customers.
What you’ll be doing
- Take ownership of the monthly portfolio performance cycle - analyse results, spot trends, and propose strategy changes.
- Refine credit decisioning strategies at acquisition stage (scorecards, policy rules, affordability).
- Produce clear, actionable MI and reports for stakeholders.
- Collaborate closely with risk, pricing, product and operations teams to ensure strategies align with business goals.
- Play a key role in a small, close-knit team, with the opportunity to mentor junior analysts as the team grows.
What we’re looking for
- Proven experience in credit risk analysis or strategy within retail/consumer lending
- Strong SQL/data analysis skills
- Understanding of credit risk KPIs such as defaults, bad debt, and portfolio profitability.
- Ability to turn analysis into strategy and communicate findings clearly to stakeholders.
- Collaborative, personable team player who thrives in a fast-growing environment.
What’s on offer
As well as a salary of up to £55,000, you’ll enjoy a comprehensive package including:
- 33 days holiday rising to 38 (including bank holidays) + buy/sell options
- 6% pension and life assurance (x3 salary)
- Annual share scheme
- Colleague discounts (15% off insurance & breakdown cover)
- Moving home advance & travel season ticket loan
- Health & wellbeing support – free financial advice, health benefits etc…
- Loads of L&D opportunities, social events, and CSR initiatives
- Long service awards
Why join?
This is your chance to join a growing team in an ambitious business, where your insights will directly shape lending strategy across multiple products. You’ll get real ownership, visibility, and the opportunity to develop your career in a supportive and collaborative environment.