Senior Credit Risk Analyst

Posted 30 March 2022
DisciplineFinancial Services & Customer Operations

Job description

Here at N Brown, we champion inclusivity by making our customers look and feel amazing. Through our digital brands such as Simply Be, JD Williams and Jacamo, we help our customers to express themselves with stylish products, helpful services, and flexible finance.

Working here you’ll explore everything the world of digital retail has to offer — asking questions, trying new things, and chasing new opportunities.

Combine this curiosity with the freedom to make your own decisions, take charge of projects and work flexibly, and you’ve got the perfect place to show your skills and learn new ones. So, if you collaborate, think on your feet, embrace innovation and love rising to a challenge, your work with us will have a serious impact on the business, your career, and our customers’ lives. We are proud to be N Brown.

Our Financial Services Business has around 2 million customers and is one of our key strategic pillars. We have an exciting roadmap of investment to create an entirely new platform for our credit business. This will unlock opportunities to bring forward new customer propositions and grow the business.

You can be part of this journey as a Senior Credit Risk Analyst in our Credit Risk team focusing on the development, implementation and validation of risk strategies and models across the credit lifecycle to drive long-term, sustainable profit from our Financial Service offer.

 A bit about the role:

As a Senior Credit Risk Analyst, you’ll be part of this journey as we identify new opportunities. We are a growing business making this an ideal opportunity to further your career.

What you’ll do

  • Design, implement and monitor credit risk strategies making recommendations
  • Monitoring of credit risk models to ensure benefits are delivered as expected together with the identification of triggers for model redevelopment
  • Design, build and validation of credit risk models that deliver commercial benefits and improve customer outcomes for the group
  • Work closely with all Lending Managers in Credit Risk team to understand opportunities and requirements for model development
  • To provide key risk business statistics to Managers, Senior Managers and Directors within the company to be used in business performance reporting
  • Coaching and mentoring junior analyst(s) and deputising for lending manager

 What you need:

  • You’ll have a track record of delivering successful commercial outcomes through designing credit risk strategies
  • You’ll have a keen eye for detail and initiative to spot opportunities
  • You’ll be an expert user of data analysis tools such as SQL and SAS
  • You’ll have excellent written and verbal communication skills, with the ability to influence and inspire others.
  • You’ll have an understanding of modelling concepts and techniques
  • And most importantly you’ll have a passion to do amazing things with credit risk in a collaborative environment.


What you need to know before you apply

  • Hybrid working: We are committed to operating a hybrid working with typically two days in our head office based in Manchester’s vibrant Northern Quarter. We have recently announced investment in our Head Office to make it a fantastic centre for collaboration.
  • Background checks: Employment is subject to the completion of a successful background check, including criminal and financial history

Your Benefits:

  • Competitive bonus scheme – we reward you when we succeed
  • Company pension scheme which we’ll match up to 5% and if you put in 6%, we’ll contribute 8%.
  • Life Assurance
  • You’ll receive 24 days plus bank holidays. Your holiday entitlement increases with length of service, and you’ll have the option to purchase an extra 10 days per year.
  • Amazing colleague discount scheme across all our brands
  • And loads more! For more info  https://www.nbrowncareers.co.uk/why-join/your-benefits


Employees in our business may have access to our customers’ personal data therefore for a number of our roles, offers of employment are subject to a satisfactory criminal record check. Having a criminal record will not necessarily prevent an individual from obtaining a position with N Brown Group.