Credit Analyst – Unsecured Lending

TL;DR

Credit Analyst – Unsecured Lending (Credit Risk/Analytics): Supporting unsecured lending credit risk management for personal current account customers with an accent on analytical decisioning, risk strategy development, and root-cause problem solving. Focus on producing high-quality risk analysis using SAS Enterprise Guide and Excel, and delivering insights that influence lending decisions and BAU monitoring.

Location: Hybrid — Newport (moving to Cardiff from September 2026), Halifax or Chester

Salary: £29,460–£31,790

Company

hirify.global builds and transforms financial services for customers across major UK brands.

What you will do

• Support personal current account credit risk management strategies across new business originations, existing customer lending, and credit limit decreases.
• Analyse and interpret risk data to maintain production of high-quality analysis for stakeholders, typically using SAS Enterprise Guide and Excel.
• Organise and prepare risk strategy documents and summarise risk data for BAU monitoring and reporting.
• Investigate specified problems and incidents to identify root causes and recommend potential solutions.
• Deliver improvements to existing processes and systems through innovative solutions.
• Meet individual and team objectives while developing analytical skills in a fast-paced environment.

Requirements

• Comfortable working with numbers, demonstrated by a degree/qualification in a numerate subject or at least 2 years of equivalent quantitative experience.
• Strong analytical problem-solving skills with the ability to work creatively with data to answer business questions.
• Clear communication skills to build relationships with partners and present recommendations that influence decisions.
• Strong organisation and ability to manage workload while adapting to changing priorities.
• Proactive approach to personal development and collaboration with others.
• Hybrid working expectation: at least two days per week (or 40% of time) in the office.

Culture & Benefits

• Job share available.
• Pension contribution up to 15%.
• Annual performance-related bonus.
• Share schemes including free shares.
• 24 days’ holiday plus bank holidays, plus wellbeing initiatives and generous parental leave policies.

Hiring process

• Apply and complete the recruitment steps as prompted by the application portal.
• Interviews and assessments may be scheduled as applications are reviewed.