Consumer Credit Insight Analyst

About Us

We are a FTSE‑100 retail company employing over 35,000 people across the UK and Ireland. We are the UK’s 2nd largest fashion retailer and the market leader in kidswear. With more than 500 stores, a global online presence in over 70 countries and a commitment to innovation, our brand is becoming more than just a store.

Job Title: Credit & Risk Insight Analyst

Location: Head Office, Leicestershire (Hybrid working 1 day a week in the office)

Salary: Up to £45,000 base plus bonus & benefits

As an analyst you will join our growing Credit and Risk Analytics team within Finance. You will be responsible for analysing and setting the lending strategy for our £1.3 B credit portfolio and using data to drive insight on how to optimise the customer proposition and business profit. You’ll work with over 3 million credit customers, designing, testing and implementing strategy changes to help grow the business.

• Produce regular reporting and carry out ad‑hoc analyses, commenting on trends and adding value through ideas and solutions.
• Identify risks and opportunities in current processes and rules through complex analysis, using multiple data sources.
• Collaborate with Senior Analysts to deliver suitable portfolio strategies across contact centre, marketing, customer experience, and tech teams, becoming an expert on credit risk and data.
• Build and present reporting and monitoring related to credit risk at internal meetings when required.

• Minimum 2 years experience in an analyst position, ideally in consumer lending or financial services, with a highly numerate/analytical background.
• Natural problem solver who enjoys working logically.
• Eye for detail and drive to dissect complex business challenges across multiple sources of insight.
• Experience working with SQL or Databricks;
  Python knowledge is a bonus.
• Strong verbal and written communication skills to present insights and gain buy‑in for change.

This isn’t a checklist and we don’t expect you to tick every box, but a strong desire to learn fast, get stuck in and deliver value is essential. If you think that sounds like you, we’d love to hear from you and find out if a career at Next could be your next great move!

• 25 % off most NEXT, MADE*, Lipsy*, Gap*, and Victoria’s Secret
  * products (when purchased through NEXT)
• Company performance‑based bonus
• Sharesave scheme
• On‑site nursery (OFSTED outstanding in all areas)
• 10 % off most partner brands & up to 15 % off Branded Beauty
• Early VIP access to sale stock
• Access to fantastic discounts at Staff Shops
• Restaurants with great food at amazing prices
• Access to digital GP and other free health and wellbeing services
• Free on‑site parking
• Financial wellbeing support – Save, track and enhance your financial wellbeing
• Apprenticeship – Grow and develop on the job whilst gaining a qualification
• Direct to Work – Discount online and in‑store, collect your items the next day for free from your place of work or local store
• Support Networks – Access to network groups to empower and celebrate each other
• Wellhub – Discounted flexible monthly gym memberships, with apps, PT sessions and more

Conditions apply to all benefits. These benefits are discretionary and subject to change.

We aim to support all candidates during the application process and are happy to provide workplace adjustments when necessary. Should you need support with your application due to a disability or long‑term condition, feel free to get in touch with us by email (please include 'Workplace Adjustments' in the subject line), or call us on 0116 284 2486 and leave a voicemail.

Apply Before: 01/26/2026

For further information, and to apply, please visit our website via the “Apply” button below.