Senior Credit Risk Analyst - Consumer Lending
Hybrid, Cardiff
c.£60,000
Identify Solutions are searching for a Senior Credit Risk Analyst to join an ambitious and growing lending business backed by a leading financial services group. If you're looking to step into a role where you can truly influence credit strategy, work across multiple product lines, and collaborate with highly engaged stakeholders - this could be the one.
You'll be part of a second-line credit risk oversight team that's hands-on, analytical, and proactive - not your typical "policy review" role. You'll dig deep into performance data, help shape credit policies, and provide independent challenge across the business.
What You'll Be Doing
* Providing independent oversight across unsecured personal loans, motor finance, and mortgages
* Partnering with first-line credit and pricing teams to ensure lending aligns with policy and risk appetite
* Analysing Data to identify emerging trends and improvement opportunities
* Helping enhance credit policies and controls across all lending products
* Presenting clear, actionable insights to stakeholders at all levels
What We're Looking For
* Proven experience in consumer credit risk (e.g. acquisitions, collections, strategy, portfolio)
* Strong data analytics experience
* Able to independently investigate, challenge, and communicate risk issues
* Background in retail/consumer lending
What's On Offer
* c.£60,000 base salary
* Strong benefits package
* Hybrid working - ideally 1-2 days a week in Cardiff - more flexible options open for discussion
* Exposure to a range of lending products and senior-level stakeholders
* Join a small, collaborative team where your voice makes a real impact
If you're looking to take the next step in your credit risk career and want more influence, variety, and challenge - we'd love to hear from you.