Credit Risk Analyst

Credit Risk Analyst, Tonbridge, Kent

Competitive salary DOE

Office based for training then hybrid 2-3 days per week in the office

Our client is a growing specialist lender undergoing an exciting period of transformation, modernising its data infrastructure and credit risk capabilities. This newly created role offers the opportunity to play a key part in shaping how credit data is managed.

The role will act as a bridge between the Credit function and the wider data strategy, working closely with a newly appointed Head of Data. The role combines credit portfolio management, regulatory compliance, and advanced data analysis to ensure robust risk management and operational efficiency.

Responsibilities include:

• Maintain and validate loan portfolio data, ensuring accuracy, integrity, and robust reconciliation processes
• Analyse credit and portfolio data to identify trends, anomalies, and early warning risk indicators
• Support stress testing and impairment analysis, including understanding IFRS9 provisioning impacts
• Build and enhance reporting and analytical tools using advanced Excel, SQL, and Python
• Review property valuations and populate/maintain credit databases to support informed lending decisions
• Support model validation, data modelling, and continuous process improvement initiatives.

The successful candidate will possess:

• Experience within credit risk and analysis in the commercial or residential property lending sector.
• Advanced Excel skills with the ability to build and maintain structured data models and databases
• Working knowledge of SQL and an interest in developing Python skills (commercial experience not essential)
• Understanding of IFRS9 and stress testing concepts
• Experience analysing loan application and portfolio data, with the ability to identify risk flags and data anomalies

Why Apply?

This is an opportunity to join a stable and purpose-driven lender at a pivotal stage of its evolution. You will benefit from:

• Exposure to senior stakeholders and strategic decision-making
• The opportunity to influence how credit data is structured and utilised
• Autonomy and ownership within a growing function
• Investment in modern tools and technical development
• A collaborative and forward-thinking working culture

A competitive salary is offered, alongside a strong benefits package and flexible hybrid working.