SCUK Senior Credit Risk Analyst (Motor Finance)

Location: Redhill, United Kingdom; hybrid role requiring at least 3 days per week in the Redhill office. Remote workers will not be considered.

Company

Financial services organisation providing consumer and motor finance through hirify.global Consumer Finance.

What you will do

• Prepare complex and aggregated credit reviews for new and existing funded motor dealers in line with UK Loan Committee and Madrid standards.
• Manage a portfolio of wholesale and credit-concern dealers through monitoring, annual reviews, covenant tracking, financial assessment, and early-warning identification.
• Produce financial analysis, credit recommendations, risk-rating assessments, and decisions supported by appropriate KPIs.
• Assess higher-risk proposals, restructuring requests, vulnerable dealer exposures, and potential portfolio losses.
• Monitor risk trends, review stock audit reports, support month-end risk reporting, and coordinate with Commercial, Finance, Legal, Compliance, dealers, and third parties.
• Approve credit limits within assigned mandates and mentor new analysts and joiners.

Requirements

• Strong experience in credit underwriting, deal structuring, and client-facing situations.
• Excellent numerical and analytical capability, including knowledge of financial ratios and economic and financial data.
• Ability to convert complex financial information into clear insights and robust credit recommendations.
• Strong judgement, attention to detail, organisation, communication, and stakeholder-management skills.
• Strong IT and Excel skills; ability to work independently and meet demanding deadlines.
• Availability to work in the Redhill office at least 3 days per week is required.

Nice to have

• Knowledge of SAS and Power BI.
• Experience in motor finance or a similar vendor finance environment.
• Familiarity with credit bureau information and external underwriting data sources.

Culture & Benefits

• Working hours are 09:00–17:00, Monday to Friday.
• 27 days of annual leave plus bank holidays.
• Annual bonus based on personal and company performance.
• Private medical cover, pension contributions, employee assistance programme, and a £500 flexible benefit allowance.
• Sharesave scheme and discounted gym passes.
• Commitment to diversity, inclusion, consumer protection, and a workplace based on Simple, Personal, and Fair values.

Hiring process

• Submit application responses, a CV, and a covering letter.
• Part-time requests may be assessed separately.