Job Details

Senior Credit Risk Analyst

Cheadle, Cheshire, United Kingdom, £40,000 , Permanent

Posted: 19 hours ago


Salary: up to £40,000 per annum, plus benefits and bonus.

We are Together -Proud to be a Financial Services success story based in South Manchester. Established in 1974, we employ over 600 colleagues.

A specialist lender offering a range of mortgage and secured loan products to individuals and businesses, who are typically underserved by mainstream lenders. We play our part to turn challenges into opportunities which make our customers' financial ambitions accessible.

Over 47 years of successful trading has positioned Together as a market leader, thanks to a common-sense approach to lending.

Together is a business that never stands still, providing an exciting place to work for individuals who deliver to a high-standard and embrace change.

We understand that for our business to grow, our people must grow.

The Senior Credit Risk Analyst is responsible for providing detailed insight into loan book performance to support the optimisation of credit risk decisions. You will also be responsible for the analysis of the portfolio to improve efficiency and automation.

Job Description

Key Responsibilities:

  • Enhancement of credit risk reporting and analysis
  • Providing timely and accurate monthly and quarterly reports and updates
  • Support development and monitoring of new products and strategies
  • Perform analysis to support changes to credit risk strategies, lending and arrears
  • Pro-actively identify trends and insights based on regular credit risk reporting
  • Provide analytical insights and make strategic recommendations across the credit risk life-cycle and optimising Expected Credit Losses
  • Improving customer outcomes and experience


  • Numerical degree, strong analytical skills and excellent attention to details
  • Relevant coding experience (SQL/R or equivalent)
  • Experience in a credit risk environment
  • Advanced Excel skills
  • Solid grounding in data analysis using quantitative analytic tools


  • Good understanding of risk management of secured lending portfolios.
  • Experience of using complex data
Additional information

We offer a range of company benefits, including shared reward scheme, discretionary bonus, 24 days holiday plus your Birthday, entitlement increases over time, holiday purchase scheme, matched pension contribution, life assurance, critical illness cover, health cash plan, private medical insurance, access to company's holiday homes, regular team/individual incentives, travel season ticket loans, Ride to Work scheme, free gym access and local bar/restaurant discounts.

Career development opportunities are excellent and where possible we offer sponsorship of relevant qualifications.

*please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.

Job Details

Cheadle, Cheshire, United Kingdom