What are the responsibilities and job description for the Senior Credit Risk Analyst position at Lensa?
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Job Title: Senior Credit Risk Analyst
Salary: Up to £60,000 per annum
Location: Cardiff
Working Pattern: Hybrid/Flexible
Are you a data-driven professional with a passion for credit risk? Our client is seeking a Senior Credit Risk Analyst to join their Financial & Credit Risk function. You will play a key role in providing independent oversight of their lending portfolios, ensuring robust risk management across Unsecured Loans, Motor Finance, and Mortgages.
Benefits
This role sits within the Credit Policy and Oversight team, where you will:
Essential:
PandoLogic. Keywords: Credit Analyst, Location: CARDIFF, CO - 81601 , PL: 596990041
Job Title: Senior Credit Risk Analyst
Salary: Up to £60,000 per annum
Location: Cardiff
Working Pattern: Hybrid/Flexible
Are you a data-driven professional with a passion for credit risk? Our client is seeking a Senior Credit Risk Analyst to join their Financial & Credit Risk function. You will play a key role in providing independent oversight of their lending portfolios, ensuring robust risk management across Unsecured Loans, Motor Finance, and Mortgages.
Benefits
- Hybrid working
- 33 days holiday (including bank holidays)
- Generous pension
- Lifestyle discounts
This role sits within the Credit Policy and Oversight team, where you will:
- Provide independent risk oversight of credit strategies across the company's three lending portfolios.
- Partner with 1st line credit and pricing teams to ensure lending decisions align with risk appetite and policy.
- Use advanced analytics to conduct deep-dive reviews and identify emerging portfolio trends.
- Shape and enhance credit policies that protect both the business and its customers.
- Lead thematic reviews to ensure consistent application of risk frameworks.
- Assess proposed strategy changes against regulatory requirements and risk appetite.
- Champion robust controls and governance across lending operations.
Essential:
- Proven credit risk experience in consumer lending.
- Strong SQL coding knowledge and Excel skills.
- Strong communication skills.
- Deep understanding of FCA CONC, MCOB, and consumer credit regulation.
- Portfolio analysis and credit strategy background.
PandoLogic. Keywords: Credit Analyst, Location: CARDIFF, CO - 81601 , PL: 596990041
Salary : $60,000
