Credit Risk Analyst

Credit Risk Analyst, Tonbridge, Kent Competitive salary DOE Office based for training then hybrid 2–3 days per week in the office Our client is a growing specialist lender undergoing an exciting period of transformation, modernising its data infrastructure and credit risk capabilities. This newly created role offers the opportunity to play a key part in shaping how credit data is managed.

The role will act as a bridge between the Credit function and the wider data strategy, working closely with a newly appointed Head of Data. The role combines credit portfolio management, regulatory compliance, and advanced data analysis to ensure robust risk management and operational efficiency.

Responsibilities include:

Maintain and validate loan portfolio data, ensuring accuracy, integrity, and robust reconciliation processes Analyse credit and portfolio data to identify trends, anomalies, and early warning risk indicators Support stress testing and impairment analysis, including understanding IFRS9 provisioning impacts Build and enhance reporting and analytical tools using advanced Excel, SQL, and Python Review property valuations and populate/maintain credit databases to support informed lending decisions Support model validation, data modelling, and continuous process improvement initiatives.

The successful candidate will possess:

Experience with in credit risk and analysis in the commercial or residential property lending sector. Advanced Excel skills with the ability to build and maintain structured data models and databases Working knowledge of SQL and an interest in developing Python skills (commercial experience not essential) Understanding of IFRS9 and stress testing concepts Experience analysing loan application and portfolio data, with the ability to identify risk flags and data anomalies Why Apply?

This is an opportunity to join a stable and purpose-driven lender at a pivotal stage of its evolution. You will benefit from:
Exposure to senior stakeholders and strategic decision-making The opportunity to influence how credit data is structured and utilised Autonomy and ownership within a growing function Investment in modern tools and technical development A collaborative and forward-thinking working culture A competitive salary is offered, alongside a strong benefits package and flexible hybrid working.