Job Title: Senior Credit & Risk Analyst - Customer Management

Location: Head Office, Leicester (Hybrid working 1 day a week in the office)

Salary £45,000 - £55,000 plus bonus & benefits

At Next we have a great opportunity for a Senior Credit & Risk Analyst to join our growing Credit and Risk Analytics team. As a team, we are responsible for analysing all aspects of our £1.3B credit portfolio and using data to drive insight on how we can optimise our customer proposition and business profit. You’ll be at the heart of understanding our 3 million credit customers and designing, testing and implementing strategy changes to help grow our business. 

This is a brilliant opportunity for someone currently working in a credit & risk role  who has great data analysis skills and a real curiosity about solving business problems. 

You will need to be the kind of person who enjoys getting stuck into complex problems, confidently analysing a range of data using industry standard tools (e.g. SQL, SAS, Excel) and working on cross functional projects to deliver great products for our customers. 

The role affords significant flexible working with the need to be in the office 1 day per week

If you’re excited about using data to drive real business impact, our Senior Credit & Risk Analyst role is a great place to develop your career within a growing business and well known brand!

You will:

Translate information into genuine insight that can be used to make informed business decisions Produce regular reporting and carry out ad hoc analyses.  Comment on trends, adding value through contributing ideas and solutions to any problems or opportunities identified.  Identify risks and opportunities in the current processes and rules through complex analysis, using multiple data sources. Work with internal and external teams to deliver suitable portfolio strategies. This could be across contact centre, marketing, customer experience, and tech. Serving as the expert on credit risk and data, while best representing the commercial value and regulatory aspects of lending activity. Build and present reporting and strategy recommendations relating to credit & risk at internal and external meetings where required.

About you:

 A minimum of 3 years experience of working in a credit & risk role Outstanding data analysis skills Proven track record of using information to provide business insight A history of using data strategically A demonstrable track record of analysing and reviewing data coupled with an ability to then make recommendations to gain buy in and implement change Demonstrable Excel skills Experience of working with coding platforms such as SQL/SAS/Python or similar A natural problem solver with a proven ability to work logically You will have an eye for detail combined with the drive to get under the skin of complex business challenges, joining the dots across multiple sources of insight Enjoy working with a diverse multi-discipline team to deliver results at pace Strong verbal and written communication skills Commerciality 

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