Lead Credit Risk Analyst
Core
Lead credit strategy, policy, and underwriting optimization for a motor finance portfolio, balancing growth with risk exposure.
Role type
Senior IC credit risk analyst (strategy & analytics)
Builds
Credit policy, underwriting scorecards, and portfolio monitoring frameworks for motor finance
Domain
Consumer lending / Motor finance
Deliverable
production ML models
Required skills
Credit risk strategy, underwriting optimization, portfolio monitoring, SQL, Python, Excel, regulatory compliance, data analysis, stakeholder reporting
Preferred skills
New product launches, system enhancements, data integration, manual underwriting vs automation balancing
Technologies
SQL, Python, Excel
Responsibilities
Lead end-to-end credit policy and underwriting strategy; optimize lending criteria and scorecards; monitor portfolio performance metrics (approvals, arrears, defaults); produce strategy papers and committee updates; represent Credit Strategy in business forums; provide leadership and guidance within the team
Seniority
Senior, hands-on IC