Credit Risk Analyst

Salary Competitive salary and strong benefits
Discipline Financial Services & Customer Operations


Credit Risk Analyst


A bit about the role:

This 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. This will be achieved through the monitoring of the existing strategy, working alongside the Credit Risk Manager in identifying opportunities for changes ensuring good outcomes for customers and the business.

The role is ideally suited to somebody with some experience as an analyst in a Credit Risk team who is looking for a new opportunity in a growing organisation.  In this role you would work alongside colleagues across the Credit Risk lifecycle, as well as from Digital Operations, Financial Services Product and Compliance.


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, Inclusion and Belonging 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.


In May 2024 we were delighted to be named one of The Sunday Times Best Places to Work 2024. We work hard to create a happy and inclusive culture for everyone and we’re so proud to have made this list - as voted for by our very own colleagues!


What you’ll do (Responsibilities and Accountabilities):

*          Responsible for undertaking complex ad-hoc analysis, providing conclusions and recommendations to support the Credit Risk team

*          Provide support in the planning, testing and implementation of strategy changes within the credit risk decision engine

*          Responsible for the accurate and timely production of regular MI, including insight into these reports for senior management

*          Create and undertake analysis to monitor the groups lending strategies and risk decision systems to ensure these are working as expected

*          Representing the Credit Risk team across cross-functional projects

*          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

*          Develop existing SQL and SAS skills to an advanced level


Who you are (Job qualifications and key skills):

*          Highly analytical with strong technical skills

*          Degree level educated, ideally in a numerate discipline

*          Previous experience of working as an analyst in a Credit Risk team

*          Self-Motivated and reliable

*          Strong communication skills

*          Accurate with a high attention to detail

*          Logical thinker

*          SQL and/or SAS skills are essential

*          Use of Microsoft excel, including lookups, pivots and charts


What’s in it for you?

*        Hybrid working

*        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


Ways of Working

We offer hybrid working which varies across the business depending on the role you’re in. For this role, the expectation would be 5 days per week. Our Head Office is located in the Northern Quarter in Manchester City Centre. So if you are travelling by train, tram or bus we’re perfectly located, plus we’re surrounded by cool cafes, trendy bars and the best places to eat!


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!