Lead Credit Risk Analyst

Lead Credit Risk AnalystAbout the roleWe''re working with a fast-growing UK consumer lending business that sits within a highly respected financial services group. While the group itself is well established, this particular lending arm operates much more like a scale-up - small, capable teams, high autonomy, and a strong bias toward execution over process.They''re looking for a Lead Credit Risk Analyst to play a key role in shaping and optimising credit strategy across a growing consumer lending portfolio (including motor finance). This is a hands-on, non-managerial role, aimed at someone with the seniority and confidence to take ownership of decisions and drive change end-to-end.In simple terms, this role suits someone who can have a short conversation about a problem, immediately understand what needs to be done, and go away and execute - without heavy direction or hand-holding.What you''ll be doingOwning credit and underwriting strategy decisions end-to-end, including credit policy, lending criteria and decisioning rulesIdentifying performance issues or opportunities, proposing changes, and driving them through to implementationSpending a significant amount of time hands-on in SQL (and/or Python) to analyse portfolio performance, approvals, losses and risk driversBalancing growth, profitability, automation and risk appetite in a regulated consumer lending environmentWriting clear, structured, data-backed proposals or papers and presenting recommendations to senior ..... full job details .....