Lead Credit Risk Analyst in Cardiff

This is an exciting opportunity for a Lead Credit Risk Analyst to join a growing lending business and take ownership of credit strategy across a retail lending portfolio. You'll have the chance to influence key lending decisions, optimise portfolio performance, and work closely with senior stakeholders to shape the future direction of the credit function.

* Lead the development and optimisation of credit policy across the portfolio

* Own lending criteria and decisioning strategies to balance growth, automation, and risk appetite

* Enhance referral and application funnel strategies to improve efficiencies and customer outcomes

* Monitor portfolio performance across approvals, arrears, defaults, recoveries, and profitability

* Conduct detailed portfolio analysis to identify emerging risks and commercial opportunities

* Use SQL and Python to analyse data and develop actionable credit risk insights

* Produce high-quality management information, reporting, and strategic recommendations for senior stakeholders

* Support the implementation of new products, data sources, and decisioning capabilities

CARDIFF (HYBRID) | £60,000 - £70,000 + BONUS

* Strong commercial experience within credit risk, credit strategy, or risk analytics

* Experience developing or optimising credit policy within a regulated consumer lending environment

* Strong understanding of underwriting strategies, portfolio monitoring, and credit risk controls

* Hands-on experience using SQL, Python desirable

* Ability to translate complex analytical findings into clear commercial recommendations

* Experience presenting insights and recommendations to senior stakeholders

* Exposure to decisioning systems, automation initiatives, or strategy implementation projects would be beneficial

* £60,000 - £70,000 base salary

* Annual bonus scheme

* Comprehensive benefits package

* Hybrid working model

* Exposure to high-impact strategic projects

* Opportunity to influence risk strategy and business performance

* Clear progression opportunities within a growing analytics and risk function

* Collaborative and supportive culture focused on professional development