Credit Risk Analyst

Salary Competitive and excellent benefits
Discipline Financial Services & Customer Operations
Contact NameAJ Marsh


The role  


Sits within the Credit Risk team, supporting the development of the lending strategy to drive long-term, sustainable profit from our Financial Services offering.  You will develop technical skills alongside regulatory and commercial understanding to undertake analysis to ensure the right risk decisions are being made for our customers. 


N Brown – who we are and why work for us?  

At N Brown, we’re committed to building a diverse workforce and creating an inclusive environment that values equality for all. Our vision is that by ‘championing inclusion, we’ll become the most loved and trusted fashion retailer’. Diversity, Equity, and Inclusion are, therefore, at the heart of our culture.  

We’re a forward-thinking digital retailer with a financial services proposition to be proud of. We’re customer-obsessed, serving them through three core brands: JD Williams, Simply Be, and Jacamo. We’re experienced, with over 160 years of trading under our belt. We’re inclusive, as we believe in fashion without boundaries; and we’re sustainable, striving to make as little impact on the planet as possible. 


What will you do as a Credit Risk Analyst at N Brown?   


(Responsibilities and Accountabilities): 

  • To develop an understanding of Financial Services and its role within N Brown. 
  • To develop proficient skills in SQL and SAS. 
  • To develop an understanding of the data in the N Brown data warehouse relevant to the role 
  • Undertake analysis following guidance from your manager, together with providing conclusions and recommendations, to develop and improve lending strategy. 
  • Create and undertake analysis to monitor the groups lending strategies and risk decision systems to ensure these are working as expected 
  • Be responsible for producing reports in a timely manner and ensuring the accuracy of regular reporting including reporting to Director level 
  • To develop an understanding of the Financial Services key metrics and Credit Risk Key Risk Indicators and how changes in these can affect N Brown performance 
  • To develop knowledge of Financial Services decision systems relevant to the role, e.g. Powercurve, to design, test and implement lending strategy changes. 


Who you are (Job qualifications and key skills): 

  • Highly analytical with strong technical skills 
  • Degree level educated, ideally in a numerate discipline 
  • Ability to spot data trends and make recommendation based on analysis and information 
  • Self-Motivated 
  • Strong communication skills, both written and verbal 
  • Strong attention to detail 
  • Natural team player 


Software and Technology skills: 

  • No previous experience of SAS or SQL is required as training will be provided, however, any coding experience is welcomed 
  • The use of Microsoft Excel, or similar 


What’s in it for you?  

  • 24 days holiday (+ 8 bank holidays) with the option to buy an additional 10 days  
  • Annual bonus scheme  
  • Enhanced maternity and adoption leave  
  • Access to Apricity, a self-funding IVF benefit at a reduced rate  
  • Company pension with up to 8% N Brown contribution  
  • Mental Health support both internally and externally, including access to our wellbeing champions and counselling services  
  • A range of financial wellbeing support  
  • Colleague discount across all N Brown brands  
  • Onsite café with subsidised rates and local restaurant discounts!   
  • Paid volunteer time – all our colleagues can take a full day paid to volunteer for a charity of their choice  


Our promise to you:  

We’re an equal opportunity employer and value diversity. We do not discriminate based on race, religion, colour, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status. 


What happens when you apply to a role at N Brown?  

As soon as we receive your application, we’ll send you an email to let you know. We always aim to come back to you as soon as possible with an update and we really appreciate you taking the time to apply for a role with us. Good luck!