Senior Credit Risk Analyst

2 days ago

Cardiff, Cardiff, United Kingdom Yolk Recruitment Ltd Full time £60,000 - £100,000 per year

Senior Credit Risk Analyst – Scorecard Development Specialist

Are you an analytical thinker with a passion for building high-performing credit risk solutions? We're looking for a
Senior Credit Risk Analyst
with strong
scorecard development
expertise to join our forward-thinking Risk team. This is a fantastic opportunity to take ownership of high-impact modelling projects and influence credit strategies across the business.

What You'll Do

  • Lead the development, enhancement, and monitoring of
    credit risk scorecards
    – this is the core challenge and focus of the role.
  • Generate insightful
    PD models
    and analytics to support informed and effective credit decisions.
  • Play a key role across the
    full credit risk lifecycle
    , ensuring models and processes drive robust and sustainable lending decisions.
  • Collaborate with stakeholders across Risk, Data, and Finance to shape and optimise credit policies.

What We're Looking For

  • Proven experience in scorecard development
    (application, behavioural, or collections).
  • Background in
    Credit Risk
    —ideally within
    B2B lending or asset finance
    , though
    consumer/retail banking
    experience is also welcome.
  • Strong technical skills in
    SAS and SQL
    (essential).
  • Experience with
    Tableau
    and/or
    Python
    is advantageous but not mandatory.
  • Solid understanding of
    PD modelling
    concepts and risk analytics.
  • Broad knowledge of the
    credit risk cycle
    and how analytics support each stage.

Why Join Us?

You'll be part of a collaborative team working on innovative analytics and risk strategy, with the autonomy to drive meaningful improvements and the support to grow your technical and strategic skillset.

If you're ready to take the next step in your credit risk career and thrive in a role where your expertise truly counts, we'd love to hear from you.

  • Credit Risk Manager

    2 weeks ago

    Cardiff, Cardiff, United Kingdom Aldermore Bank Full time £24,000 - £80,000 per year

    Let us tell you about the opportunityIf you're a hands-on expert in customer management strategy, credit scorecards, and decisioning tools and you're ready to take the next step in your leadership journey - this role offers the perfect blend of doing, influencing and developing.We're looking for someone who can own and evolve our credit acquisition strategy...

  • Credit Risk Manager

    2 weeks ago

    Cardiff, Cardiff, United Kingdom Aldermore Bank Full time £55,000 - £70,000 per year

    Let us tell you about the opportunity If you're a hands-on expert in customer management strategy, credit scorecards, and decisioning tools and you're ready to take the next step in your leadership journey - this role offers the perfect blend of doing, influencing and developing.We're looking for someone who can own and evolve our credit acquisition strategy...

  • Credit Risk Manager, Flex Originations

    2 weeks ago

    Cardiff, Cardiff, United Kingdom Monzo Full time £97,800 - £132,300 per year

    We're on a mission to make money work for everyone.We're waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account...

  • Senior Credit Manager, Business Borrowing

    2 weeks ago

    Cardiff, Cardiff, United Kingdom Monzo Full time £119,000 - £161,000 per year

    We're on a mission to make money work for everyone.We're waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account...

  • Credit Risk Director, Business Borrowing

    2 weeks ago

    Cardiff, Cardiff, United Kingdom Monzo Full time £145,000 - £175,000 per year

    We're on a mission to make money work for everyone.We're waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account...

  • Portfolio Risk Manager

    2 weeks ago

    Cardiff, Cardiff, United Kingdom MotoNovo Finance Full time £60,000 - £100,000 per year

    Let Us Tell You About The OpportunityAre you a strategic and commercially astute risk professional with a passion for leadership, collaboration, and driving continuous improvement? We're currently recruiting aPortfolio Risk Manager, a pivotal first-line leadership role shaping how we manage credit risk, support our dealer network, and deliver sustainable...

  • Senior Credit Analyst, Financial Health

    2 weeks ago

    Cardiff, Cardiff, United Kingdom Monzo Full time £76,500 - £103,500 per year

    We're on a mission to make money work for everyone.We're waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account...

  • Commericial Lead Analyst

    1 week ago

    Cardiff, Cardiff, United Kingdom Identify Solutions Full time £624,000 - £840,000 per year

    Job DescriptionCommercial Lead Analyst – Personal LendingWe're partnered with a fast-growing, forward-thinking financial services organisation that's reshaping the personal lending market. This is an opportunity to sit at the heart of commercial decision-making and make a visible impact in a data-driven, high-growth environment.As the Commercial Lead...

  • Senior Technical Analyst

    2 days ago

    Cardiff, Cardiff, United Kingdom Yolk Recruitment Ltd Full time £40,000 - £70,000 per year

    Senior Technical AnalystCardiff/NewportUp to £57, % bonus)The OpportunityYolk Recruitment are excited to be partnered with one of Wales' biggest non-profit organisations who service more than 3 million customers whilst contributing more than £840 million to protect the environment.Position OverviewAs aSenior Technical Analyst, you will play a critical role...

  • Senior Business Analyst

    6 days ago

    Cardiff, Cardiff, United Kingdom Target Full time £40,000 - £80,000 per year

    At Target Group, we're not just about deadlines and deliverables; we're about making a real impact in the Financial Services and Technology sectors. We thrive on innovation and the ability to adapt, and we're looking for a Senior Business Analyst who who has successfully delivered across a range of project types and complexities and is ready to take a...