We’re looking for a Senior Credit Risk Analyst to join N Brown Group. 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 team to identify opportunities for changes ensuring good outcomes for customers and the business.

You’ll join a team guided by the Head of Portfolio Risk and Collections who is responsible for credit limit management, risk based pricing, collections strategy and portfolio risk management, including IFRS9 modelling. The role is ideally suited to an experienced analyst in a Credit Risk team who is looking for a new opportunity in a growing, fast-paced 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.

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

Responsible for the production of complex ad-hoc analysis, providing timely 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 development of new monitoring, as well as 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
Help to drive continuous improvement through the identification of opportunities to enhance the existing customer strategy
Representing the Credit Risk team across cross-functional projects
Build effective collaborations with other Credit Risk Managers and Analysts to ensure monitored metrics are a suitable measure of current risks.
Provide support with the month-end IFRS9 process, to investigate any changes in customer behaviour impacting inputs or outputs to the model
Develop knowledge of the existing N Brown IFRS9 model and its components

What skills and experience will you have?

Previous experience working as an analyst in a Credit Risk team, utilising SQL and Microsoft Excel to an advanced level
highly analytical with strong technical skills and a focus on accuracy and attention to detail
Self-motivated with the ability to work independently in a responsible manner, seeking advice when appropriate
Proven planning and organisation skills to manage multiple requirements, prioritise work and meet demanding deadlines with minimal supervision
Comfortable extracting and analysing large datasets using SQL
Strong written and verbal communication skills, which must include the ability to convey complex information clearly with confidence
collaborate effectively by building good business relationships with your peers across the business
You’ll be a ‘self-starter’ who takes initiative and can work with ambiguity
Highly analytical with a demonstrated ability to solve problems through logical thinking

Desirable

Experience of working with an IFRS9 model
Experience in credit risk model development
You may have worked in a credit risk team for an online retail lender

What’s in it for you?

Hybrid working (3 days in the office at a minimum)
24 days holiday (+ 8 bank holidays)
Annual bonus scheme
Enhanced maternity and adoption leave
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
Stream - a financial wellbeing tool that helps you track your pay, access earnings early and manage your money with confidence
Colleague discount across all N Brown brands
Onsite café with subsidised rates and local restaurant discounts!
Life Assurance and Private Medical Insurance
Paid volunteer time – all our colleagues can take a full day paid to volunteer for a charity of their choice

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

N Brown is a leading UK digital retail platform for clothing, footwear, home and technology, headquartered in Manchester and employing over 1,000 people nationwide. Through our strategic retail brands JD Williams, Jacamo and Simply Be and our unique payments offering, we exist to champion inclusivity and serve the underserved. Our customers are our passion, and we take great pride in delivering products that ensure they can look and feel amazing, without compromising on choice, value and accessibility.

We’re committed to building a diverse workforce and creating an inclusive environment that values equality for all. Our vision is that by ‘By championing inclusion, N Brown will become the UK’s most loved and trusted consumer platform, shaping the future of financial empowerment and personal expression’. ‘Diversity, Equity, Inclusion and Belonging are, therefore, at the heart of our culture.

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!

Ways of Working

We offer hybrid working which varies across the business depending on the role you’re in. 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 working hours are 36.17 per week over 5 days.

We believe AI will become a standard part of modern professional practice. We are therefore looking for individuals who are open to learning, testing, and responsibly adopting AI tools to improve efficiency, insight, and impact in their role.

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.

Please know your application is being reviewed by a real human being. We value your interest in joining us and appreciate you taking the time to submit your application.

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!