Senior Credit Risk Analyst

Clayton-Le-Moors, England, United Kingdom At Frasers Group Financial Services, we’re rethinking retail through digital innovation and unique customer experiences. We serve our consumers with the world’s best sports, premium and luxury brands worldwide, including Studio, Sports Direct, FLANNELS, USC, Frasers and GAME. Our purpose is to elevate the lives of the many with access to the world’s best brands and experiences. Job Description We are looking for an experienced Senior Credit Risk Analyst to develop and monitor Credit Risk and Impairment models, coach and mentor Analysts, and drive model performance improvement to support FS goals. Responsibilities Work collaboratively with the analytics manager and impairment team to develop and monitor the Credit Risk and Impairment models. Analyse model movements, segmenting to understand trends, and make recommendations to maximise performance. Provide MI and insightful commentary based on model evaluation and impact assessments to drive continuous improvement. Communicate analysis/findings and monthly monitoring effectively to manager, team and senior stakeholders. Display strong attention to detail. Provide effective coaching and mentoring of Analysts, building capabilities to support objectives and ensure governance, risk and compliance standards are adhered to. Challenge current approaches, always seeking to improve. Adhere to all governance, risk and compliance standards, ensuring models deliver the best outcomes for customers and the business. Identify, build and maintain key internal and external stakeholder relationships to deliver the agreed commercial performance. Qualifications Experience working within the retail or financial services sector. Extensive experience of credit risk or impairment model development and/or monitoring. Advanced knowledge in writing and reviewing SQL and Python/SAS code to analyse data. Experience working and delivering in a regulated environment. Excellent working knowledge of financial standards and guidelines such as FCA, TCF, Data Protection. Experience coaching and developing the performance of others. Delivery and customer focussed. Ability to plan and prioritise effectively to meet changing priorities and demands. Excellent communication and engagement skills. Proven track record in effective facilitation and communication at multiple levels. Commercially astute. Ability to engage and influence stakeholders at an appropriate level. Analytical, pragmatic and systematic approach to problem solving. Ability to manage conflict and know when to escalated. IT literate. Additional Information As FGFS is within a regulated environment any offer is subject to satisfactory background checks including criminal record check, credit check, and employment references. Benefits & Perks Reward, Recognition and Opportunities: Frasers Champion – peer‑nominated scheme where 8 winners receive double pay for a month. Frasers Festival – celebration event for Head Office and Retail Staff across the UK and Europe featuring brand experiences, guest speakers, entertainment and fitness challenges. CEO Sessions – quarterly sessions where a selected group of 20 employees attend to connect with the CEO and leadership team and submit questions. Retail Reconnect – employees spend two days in a store or warehouse each financial year to gain insights about frontline impact. Frasers Fit – free gym classes and discounted memberships; wellbeing programme covering physical, financial and mental wellbeing. Retail Trust – free access to mental wellness support including helpline, counselling and financial/legal support. Employee Welfare and wellbeing programmes accessible through an app, including training, nutrition and lifestyle advice. Recruitment Process Our Recruitment Team will review applications and all candidates will receive a response. Shortlisted candidates may be asked to confirm details before a first‑stage interview. Subsequent stages include a technical interview, potential presentation or task to demonstrate skills. #J-18808-Ljbffr