Senior Credit Risk Analyst

Are you passionate about data‑driven decision‑making and delivering great outcomes for customers? We’re looking for a Credit Risk Analyst to join our team and play a key role in shaping the future of our consumer lending portfolios.

• Own the production of management information (MI) for our consumer lending portfolios, ensuring it’s timely, accurate, and fit for purpose.
• Design, implement, and monitor credit risk strategies that drive sustainable growth and customer success.
• Analyse portfolio performance, including delinquency and acceptance rates, and present actionable insights to senior stakeholders.
• Collaborate across teams to ensure fair and positive outcomes for customers.
• Support Finance in assessing retailer and introducer performance to determine product profitability.
• Drive automation in lending decisions to improve efficiency and customer experience.

• Experience: Demonstrable years in a Credit Risk Analyst role, ideally within consumer finance.
• Technical
  
  Skills:
  
  Strong coding ability in SAS, Python, or SQL; proficient in Excel. Knowledge of Power BI or Tableau is a plus.
• Expertise: Familiarity with Credit Reference Agency data, credit risk strategy, scorecard development, and decision systems.
• Education: Degree in a business, IT, or mathematical discipline (or equivalent experience).

• Analytical mindset with a problem‑solving approach.
• Ability to take ownership and deliver results from start to finish.
• Strong attention to detail and effective communication skills.
• Adaptability and a positive attitude toward change.
• Collaborative team player who adds value to projects.

We believe in creating an inclusive environment where everyone can thrive. You’ll have the opportunity to work on impactful projects, develop your skills, and contribute to strategies that make a real difference for our customers.

Everyone is different. Everyone is valued. As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people and our strengths – specialist, expert, ambitious and also diverse.

All of our people are different and this is something we celebrate.

Every one of our employees brings unique talent, ability and perspective to their role.

That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.

We’re an award‑winning bank providing savings accounts and lending services to over one million customers. We’re Secure Trust Bank Group. We embrace difference.