Credit Risk Analyst

A UK-based bank is seeking a Credit Risk Analyst to strengthen its second-line oversight of retail lending activity. This is a broad technical role focused on credit portfolio analysis, policy review, and risk appetite monitoring, with regular engagement across risk, finance, and lending teams.

What you’ll be doing:

• Analyse credit performance and portfolio trends, identifying emerging risks and providing regular MI to senior stakeholders

• Develop and enhance internal tools to support the monitoring of credit quality, arrears, and default behaviours

• Support the refinement of lending policies and criteria, offering second-line challenge to the first line and contributing to governance forums

• Review and advise on credit risk appetite metrics, thresholds, and early warning indicators

• Conduct thematic reviews and deep dives across lending segments to assess performance and risk alignment

• Produce clear and actionable reporting for internal committees and risk leadership

What we’re looking for:

• Experience in credit risk analysis or oversight within retail banking or financial services

• Strong analytical skills and comfort working with data-driven insight

• Familiarity with credit policy, portfolio monitoring, and second-line assurance activity

• Clear communicator, confident in producing reporting for governance audiences

Apply today to find out more!