Credit Risk Analyst

A well-established financial services organisation is looking for a Credit Risk Analyst to join its growing Finance team.

This is an excellent opportunity for an analytically minded junior Credit Risk professional to build experience across portfolio analysis, lending insight, management information and IFRS 9.

You will work closely with experienced colleagues across Finance, Risk and Lending, using data to understand portfolio performance, identify emerging trends and support better business decisions. The role offers genuine exposure to senior stakeholders, including Credit Committee and Risk Committee, while giving you the chance to develop practical experience in areas that are increasingly valuable across lending: IFRS 9, scorecards, portfolio monitoring and credit-risk reporting.

The role

You will support the analysis of credit risk across the lending portfolio, helping the business understand customer behaviour, potential exposures and areas where lending performance can be improved.

A key part of the role will involve supporting the ongoing development and maintenance of the Group’s IFRS 9 model. This could include preparing and validating data, monitoring model outputs, investigating movements in provisions and staging, and helping produce clear analysis for Finance and Risk stakeholders.

Alongside this, you will help develop MI and reporting, undertake portfolio reviews and support broader analysis around lending strategy, profitability and customer trends.

Key responsibilities

• Support the development and maintenance of the Group’s IFRS 9 model
• Assist with analysis of Expected Credit Loss outputs, staging movements and portfolio performance
• Produce and improve regular credit risk MI, dashboards and reports
• Support portfolio reviews and deep dives into borrower trends, arrears, losses and emerging risks
• Help develop new reports and insight to meet business needs
• Contribute to credit scorecard development and wider lending analytics
• Use data to support lending strategy, customer insight and profitability analysis
• Prepare clear analysis and commentary for senior management, Credit Committee and Risk Committee
• Carry out ad-hoc analysis to investigate specific risk issues or support business decisions

About you

This role could suit someone early in their Credit Risk, Finance or data-analysis career who wants to move into a broader lending-risk role.

You may currently be a Credit Risk Analyst, Portfolio Analyst, Finance Analyst, MI Analyst, Risk Analyst or Data Analyst within a bank, building society, lender or similarly regulated financial services business.

You will have strong analytical ability, enjoy working with data and be keen to build your understanding of how credit risk is measured and managed within a lender.

Experience or exposure in some of the following areas would be useful:

• Credit risk, lending, arrears, collections or portfolio analysis
• IFRS 9, impairment, Expected Credit Loss or financial reporting
• Credit Reference Agency data
• Excel-based analysis and modelling
• Power BI, Tableau, Power Query or similar reporting tools
• Producing management information or explaining data clearly to stakeholders

You do not need to be an established IFRS 9 modeller. More important is a strong analytical foundation, attention to detail and the appetite to learn in a role offering broad exposure to credit risk and finance.

This is a strong development role for someone who wants to build a valuable combination of Credit Risk, IFRS 9 and portfolio analytics experience within a supportive, commercially focused environment.