Credit & Risk Insight Analyst

Credit & Risk Insight Analyst (Next)

Join to apply for the Credit & Risk Insight Analyst role at Next
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About Us
You know Next, but did you know we’re a FTSE‑100 retail company employing over 35,000 people across the UK and Ireland. We’re the UK’s 2nd largest fashion retailer and for Kidswear we’re the market leader. At the last count we have over 500 stores, plus the Next Online and it’s now possible to buy online from over 70 countries around the world!

So we’ve gone global!

Location: Head Office, Leicestershire (Hybrid working 1 day a week in the office)
Salary: Up to £45,000 base plus bonus & benefits

As a member of the growing Credit and Risk Analytics team within Finance, you will help analyse and set lending strategy for our £1.3B credit portfolio, using data to drive insight on how we can optimise our customer proposition and business profit. You’ll gain experience of our 3 million credit customers and participate in designing, testing and implementing strategy changes to grow our 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, becoming an expert on credit risk and the regulatory aspects of lending.
• Build and present reporting and monitoring related to credit risk at internal meetings.

• Minimum of 2 years experience in an analyst role (ideally in consumer lending/financial services) and a highly numerate/analytical background.
• A natural problem solver who enjoys working logically.
• An eye for detail and drive to understand complex business challenges across multiple sources of insight.
• Experience working with SQL or Databricks;
  Python is a bonus.
• Strong verbal and written communication skills, able to present insights and secure buy‑in to implement change.
• Enthusiasm to learn fast, get stuck in and deliver value.

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

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. If you need support due to a disability or long‑term condition, email us at  (please include “Workplace Adjustments” in the subject line) or call .

Apply Before 01/05/2026