Lead credit risk Work, Jobs in Ely, Crf (with Salaries)

Lead Credit Risk Analyst
Admiral —Cardiff
- Presentation skills
- Communication skills
- Analytics
- Annual leave
Business Customer Services Manager
Welsh Water —Cardiff
- £55,924 - £63,515 a year
- Continuous improvement
- Team management
- No degree
- Free parking
- Annual leave
7d
Credit Controller
Sonovate —Cardiff
- £30,000 - £35,000 a year
- Hybrid work
- Employee assistance programme
Quick apply
Lead Engineer
LDMS —Cardiff
- Up to £78,000 a year
- Full-time
- Hybrid work
- AWS
- Mentoring
- AI
- Annual leave
- Employee assistance programme
Quick apply
Fraud & Risk Manager
Nisbets —Bristol
- Full-time
- Hybrid work
- Analysis skills
- Team management
- Organisational skills
Engineering Team Lead
LDMS —Cardiff
- Up to £75,000 a year
- Full-time
- Hybrid work
- Team management
- Mentoring
- AI
- Annual leave
- Employee assistance programme
Quick apply
Credit Controller
Mazuma GB Ltd —Bridgend
- £26,000 - £27,500 a year
- Full-time
- Free parking
Quick apply
7h
Impairment Modelling Lead
Starling —Cardiff
- Hybrid work
- Team management
- No degree
- Leadership
- Annual leave
- Employee discount
Quick apply
Financial Controller
Development Bank of Wales —Cardiff
- From £86,000 a year
- Full-time
- Computer literacy
- Team management
- Computer skills
12d
Senior Pricing Analyst
Admiral —Cardiff
- Continuous improvement
- Mentoring
- Annual leave
Senior Statistical Officer
Government Statistical Service —Newport
- £43,644 a year
- Part-time
- Hybrid work
- Doctoral degree
- Master's degree
- Analysis skills
Business Support Manager
Office for National Statistics —Newport
- £34,587 a year
- Part-time
- Hybrid work
- Management
- Presentation skills
- Organisational skills
6h
Business Case Manager
Office for National Statistics —Newport
- £56,861 a year
- Full-time
- Hybrid work
- Presentation skills
- Leadership
- Analytics
14d
Product Manager – SaaS Integrations
Creditsafe —Cardiff
- Full-time
- Hybrid work
- Salesforce
- Annual leave
Head of Business, Product and Services Development
Smart Money Cymru Community Bank —Caerphilly
- £37,704 a year
- Continuous improvement
- In-person
- Leadership
Quick apply
Associate Quality Assurance Test Analyst
Office for National Statistics —Newport
- £28,138 - £32,953 a year
- Part-time
- Hybrid work
- Computer literacy
- Presentation skills
- Computer skills
10d
Senior IT Service Manager - User Experience & Support Services
Office for National Statistics —Newport
- £41,985 - £47,121 a year
- Full-time
- Presentation skills
- Continuous improvement
- Agile
2d
Crisis Management and Protective Security Advisor
Office for National Statistics —Newport
- £28,138 - £32,953 a year
- Full-time
- Hybrid work
- Analysis skills
- Presentation skills
- Organisational skills
2d
Director Product Management
LexisNexis Risk Solutions —Cardiff
- Full-time
- Machine learning
- Team management
- Product management
Data Scientist
Office for National Statistics —Newport
- £41,985 a year
- Full-time
- Hybrid work
- Presentation skills
- AI
- Leadership
14d

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Lead Credit Risk Analyst

Admiral -
Cardiff

Apply Now

Job details

Benefits

Annual leave

Qualifications

Underwriting or credit analysis experience
Data integration
Underwriting
Process improvement
Credit risk evaluation (Risk analysis)
Presentation skills
Risk management
Management reporting
Risk and credit experience
Communication skills
Underwriting risk analysis
Analytics

Full job description

Cardiff

Admiral Money is seeking a Lead Credit Risk Analyst to play a key role in managing and evolving the credit strategy of our Motor Finance portfolio.

This is a broad, high-impact role in which you will take ownership of credit policy, referral strategy, portfolio monitoring and underwriting optimisation, ensuring we effectively manage credit risk exposure while supporting sustainable growth.

The role combines strategic direction with hands-on analytics in a fast-moving, innovative environment.

About us

Admiral Money is the dynamic lending arm of Admiral Group, offering personal loans, motor finance, and homeowner loans since 2017. We’re building something special for our customers and are looking for curious, driven individuals ready to learn, take on challenges, and make an impact.

We’re proud to be a certified Great Place to Work for over 25 years, with recognition for Women and Wellbeing. Our inclusive culture empowers everyone to Be You.

Need support during the recruitment process? Just let us know – we’re here to help.

Key Responsibilities

Leads the end‑to‑end credit policy and underwriting strategy for Motor Finance, optimising lending criteria, scorecards, and asset risk parameters. Ensures decisioning strategies balance growth, automation, and risk appetite while staying aligned with regulatory requirements. Continuously identifies opportunities to enhance processes, credit controls, and the use of new data sources and tools.
Owns and improves the referral and application funnel strategy, driving higher automation without compromising risk oversight. Enhances customer and dealer journeys by leveraging data effectively and balancing manual underwriting, fraud controls, and automation to deliver strong customer outcomes.
Monitors key portfolio performance metrics (approvals, arrears, defaults, recoveries, profitability) to identify risks and opportunities. Conducts segmentation and trend analysis, ensuring the portfolio remains within risk appetite and funding thresholds. Provides clear, timely insights and reporting to senior stakeholders and governance forums.
Uses SQL/Python to extract, analyse, and interpret data to inform and improve credit strategies. Produces high‑quality MI, strategy papers, and committee updates, partnering closely with Data and BI teams to refine reporting and deliver actionable insight.
Represents Credit Strategy in business forums, acting as SME for key projects including new products, systems, and channel enhancements. Supports the implementation of new data integrations and decisioning capabilities. Provides leadership and guidance within the team, effectively prioritises workloads, and fosters a culture of continuous improvement.

Skills and Experience

Essential Requirements

Minimum 3 years’ experience in a credit risk or credit strategy role within consumer lending
Experience managing or optimising credit policy within a regulated environment
Strong understanding of underwriting strategy, portfolio monitoring and risk controls
Hands‑on analytical capability with SQL and/or Python and Excel
Proven ability to interpret data and translate insights into commercially sound recommendations
Experience writing board/committee papers and presenting to senior stakeholders
Strong communication and influencing skills across all organisational levels
High attention to detail with an analytical and problem‑solving mindset
Self‑motivated, organised and adaptable in a fast‑paced environment
Motor finance experience

Desirable Requirements

Experience with new product launches, system enhancements or channel development projects
Exposure to embedding new products, services or data integrations into live decisioning
Experience refining MI, reporting capabilities or partnering with Data/BI teams
Ability to challenge existing practices and drive continuous improvement
Experience balancing manual underwriting, fraud controls and automation

Admiral: Where You Can

We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We’re committed to fostering a people-first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service.

Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays). You also have the option to buy or sell up to an additional five days of annual leave.

We’re proud of our people-first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics.

Our fantastic benefits make sure our colleagues have a great work-life balance; You can view some of our other key benefits here.

As a Disability Confident Leader, for candidates with a disability or long-term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process.

If you need any adjustments or support with your application or during the recruitment process, just let us know. Please do email [email protected] or contact us on 07407 672980. This number is dedicated to supporting candidates that require reasonable adjustments or support during the application process.

#LI-ED1 #LI-Money

Apply Now

Refine Your Search

lead credit risk jobs in ely, crf

Lead Credit Risk Analyst

Business Customer Services Manager

Credit Controller

Lead Engineer

Fraud & Risk Manager

Engineering Team Lead

Credit Controller

Impairment Modelling Lead

Financial Controller

Senior Pricing Analyst

Senior Statistical Officer

Business Support Manager

Business Case Manager

Product Manager – SaaS Integrations

Head of Business, Product and Services Development

Associate Quality Assurance Test Analyst

Senior IT Service Manager - User Experience & Support Services

Crisis Management and Protective Security Advisor

Director Product Management

Data Scientist

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