Credit Risk Manager

Birmingham, hybrid (3 days onsite)

£60,000 to £70,000 plus benefits

A great opportunity to join a fast‑moving lender during a period of growth. This role suits someone who enjoys hands‑on analytics, influencing credit strategy, and working directly with major retail partners.

The Company

They are a well‑established consumer finance provider supporting a range of high‑profile retail portfolios. With new partnerships launching and strong investment in credit capability, this is a dynamic environment where you can make a visible impact. You will join a collaborative team known for long‑term development and progression.

The Role

• Manage credit risk performance across a key retail finance portfolio.

• Deliver analytics using SAS or SQL and support forecasting for bad debt and pricing.

• Use MI, CRA data, and third‑party sources to produce actionable insight.

• Present recommendations to internal stakeholders and external partners.

• Identify optimisation opportunities across acquisition and portfolio strategy.

Your Skills and Experience

• Strong experience in credit risk, retail lending, or portfolio analytics.

• Proficient in SAS or SQL with strong Excel skills; Python is beneficial.

• Confident interpreting MI and credit bureau data.

• Able to communicate insights clearly to stakeholders.

What They Offer

• Salary between £60,000 and £70,000.

• Hybrid working with three days in Birmingham.

• Benefits package with flexible options and clear progression opportunities.