Lead Credit Risk Analyst

Lead Credit Risk AnalystWest Midlands 1 to 2 days in the office£55,000 - £65,000 This role offers the chance to take real ownership of credit risk strategy within a fast-evolving consumer lending environment.

You will sit at a pivotal point between senior leadership and developing analysts, combining strategic influence with hands-on analytical delivery across high-impact projects.

The CompanyThey are a consumer-focused organisation with a large lending portfolio and a strong commitment to data-led decision making.

Credit risk plays a central role in shaping sustainable growth, with close collaboration across analytics, technology and commercial teams.

The environment is supportive and ambitious, with a clear focus on learning, development and progression.

The RoleLead and evolve existing customer management and credit limit strategies across the lending book.Support the redesign of credit limit management and implementation of new behavioural scorecards.Deliver analysis to inform policy changes, decision system enhancements and customer limit adjustments.Design, analyse and interpret tests and experiments to balance risk, growth and customer outcomes.Produce portfolio analysis, MI and insight into wider customer trends.Work closely with stakeholders across credit and analytics, with flexibility to move into acquisition-focused projects if of interest.Your Skills & ExperienceStrong commercial experience in consumer credit risk within lending products such as cards, loans or mortgages.Demonstrated capability in acquisitions or existing customer management strategy, including limit or policy work.Experience contributing to or leading credit limit management initiatives.Strong analytical capability with SQL or a comparable analytical language.Clear communication skills with the ability to translate analysis into actionable insight.What They OfferSalary up to £65,000 depending on experience.Hybrid working with 1 to 2 days per week in the West Midlands office and regular team collaboration days.Exposure to wide-ranging, business-critical projects with clear strategic impact.Strong opportunities for development, progression and movement across credit risk teams.A collaborative culture that actively supports learning and professional growth.