Transport Credit Risk Senior Analyst (Fintech)

TL;DR

Transport Credit Risk Senior Analyst (Fintech): Shaping smarter credit decisions through advanced analytics and automated strategies to support sustainable lending. Focus on improving credit decision efficiency, implementing AI-led innovation, and ensuring safe portfolio growth within the UK banking sector.

Location: Must be based in the UK (Leeds, Chester, Edinburgh, Manchester, or Newport). Hybrid work style required (at least 40% of time in office).

Salary: £44,901 – £49,890

Company

A leading UK-based financial services group committed to sustainable lending and carbon-neutral goals.

What you will do

• Improve credit decisioning processes using advanced analytics and automated strategies.
• Identify and implement AI-led credit innovation opportunities across consumer and business lending.
• Produce management information to inform key strategic decisions.
• Perform high-quality testing to ensure safe implementation of system changes.
• Collaborate with technical and non-technical stakeholders to explain complex risk issues.

Requirements

• Must be based in the UK and able to work from one of the specified office locations.
• Strong numeracy skills with at least A-Level qualification.
• Minimum 12 months of practical experience with analytical software and coding (SAS or SQL).
• Understanding of credit risk and residual value risk management.
• Effective communication skills for diverse audiences.

Nice to have

• Experience with PowerBI.
• Experience coaching junior team members.
• Experience deputizing for management.
• Background in both personal and business lending.

Culture & Benefits

• Generous pension contribution of up to 15%.
• Annual performance-related bonus and share schemes.
• 28 days of holiday plus bank holidays.
• Flexible working options including job share and hybrid attendance.
• Comprehensive wellbeing initiatives and parental leave policies.