Credit Risk Analyst Lead

13 hours ago


Bradford, Bradford, United Kingdom Freemans Grattan Holdings Full time

About the role

We are seeking a highly skilled Credit Risk Analyst to join our team in Bradford city centre. As a key member of our credit risk management function, you will play a vital role in supporting the business in managing credit risk, maximising sales opportunities while controlling bad debt losses and ensuring continued compliance with consumer credit regulations.

This is a hybrid role, requiring you to work at least 2 days in the office with the remainder from home.

Key Responsibilities:

  • Credit Decision Strategies
    • Undertake detailed statistical analysis to review and optimise credit decision strategies, processes and models.
    • Investigate specific risk issues and provide actionable recommendations.
  • MI Production
    • Produce accurate and well-presented credit MI reports to inform business decisions.
    • Identify emerging trends, risks and opportunities.
  • Continuous Improvement
    • Develop new MI reports to meet business needs.
    • Implement continuous improvement initiatives to increase efficiency, resolve issues and improve business performance.

About you

To be successful in this role, you will have:

  • A basic understanding of consumer credit products and lifecycle.
  • Excellent analytical and problem-solving skills.
  • Ability to derive and communicate insight from data/Management Information.
  • Competency in Microsoft Office.
  • Able to commute to Bradford city centre 2 days per week.

Our company offers a competitive salary and benefits package, including staff discount, generous annual leave and healthcare cash plan. We pride ourselves on being a vibrant, colourful, creative and flexible working environment.

About us

We are part of the OTTO Group, one of the world's largest online retailers. With over 100 years of experience, we're on a mission to help our customers live their best lives through quality basics, brands they love and credible exclusive products supported by easy and rewarding ways to pay.


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