Senior Credit Risk Analyst

A bit about you You are an experienced credit risk professional with a strong background in consumer lending and a proven ability to develop and optimise credit strategies.You are comfortable owning complex analytical frameworks and translating data into clear, actionable insight. You are confident engaging with senior stakeholders, able to challenge constructively and influence decision-making.You take a structured, pragmatic approach to delivery, with strong attention to detail and the ability to communicate complex analysis clearly.What we offer As well as a competitive annual salary of up to £55,000, we offer:Free parking within the Business Park, and a company pension with Scottish WidowsA Continuous Learning Programme to support your developmentAn employee assistance programme, financial wellbeing support, and access to discounts with leading high street namesA collaborative, supportive working environment within a growing specialist lenderDirect involvement in governance and strategic risk management, with visibility at ExCo and Board levelResponsibilitiesCredit Strategy, Decisioning and Model OwnershipOwn the design and optimisation of the credit decision engine, including underwriting rules, policy parameters, and acceptance criteriaDevelop and maintain scorecards and affordability models to support responsible and commercially effective lendingEnsure all strategies align with risk appetite, regulatory requirements (including CONC), and customer outcome ..... full job details .....