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Santander

Lead Credit Risk Analyst – Unsecured Credit Risk

Santander

. Lead analysis into the performance of existing Credit Risk policy .

Posted 9/21/2026full-timeMilton Keynes • United KingdomSenior💰 £59,200 - £88,800 per yearWebsite

Core Competencies

Role fit
Core Competencies

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Demonstrates expertise in developing and implementing credit risk strategies throughout the customer lifecycle, with a strong focus on stakeholder management and analytical project ownership. Proficient in statistical programming and understanding of credit industry products and regulatory requirements.

Highest-signal resume keywords
Credit Risk Strategy DevelopmentStatistical Programming (SAS, Python)Stakeholder ManagementProject ManagementCredit Bureau Data Analysis

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills
Credit Risk Policy AnalysisCredit Risk Strategy ImplementationStatistical AnalysisData InterpretationAnalytical Project Ownership
Soft Skills
Communication SkillsAttention to DetailStrategic ThinkingCreative Problem SolvingInfluencing Skills
Industry Keywords
Credit Industry ProductsAffordability MetricsRegulatory RequirementsUnsecured LendingCustomer Lifecycle

Tech Stack

Tools & technologies
Python

About the role

Key responsibilities & impact
  • Lead analysis into the performance of existing Credit Risk policy
  • Identify areas where Credit Risk policy can be simplified or enhanced
  • Apply and further develop credit risk expertise throughout the product lifecycle
  • Partner closely with stakeholders across the business
  • Support implementation of changes to Credit Risk policies and strategies
  • Work autonomously with very little management guidance on complex work
  • Provide analysts with help and guidance on delivery and personal development

Requirements

What you’ll need
  • Proven track record of developing, implementing and optimising credit risk strategies across the customer lifecycle (Required)
  • Degree level in a numerate subject such as Maths, Statistics, Operational Research, Physics or Engineering, ideally 2:1, and/or equivalent qualifications/experience (Preferred)
  • Proven experience using statistical programming tools such as SAS or Python (Required)
  • Excellent project management skills and experience owning end-to-end analytical projects (Preferred)
  • Awareness of credit industry products and markets (Preferred)
  • Understanding of credit bureau data, affordability metrics and regulatory requirements relevant to unsecured lending (Preferred)
  • Excellent stakeholder management and written and verbal communication skills, including ability to influence non-technical audiences (Preferred)
  • High attention to detail and ability to think strategically and creatively (Preferred)
  • Commercial mindset focused on balancing growth, risk and customer outcomes (Preferred)
  • Ability to attend the office at least 12 days per month under the hybrid working pattern
  • Applicants should consider travel distance, time and cost to their chosen office location
  • Visa sponsorship may be available; candidates may be liable for personal employee immigration and relocation costs

Benefits

Comp & perks
  • Wellbeing support through partners across physical, mental, social and financial wellbeing
  • Access to wellbeing apps
  • Discounted gym and fitness access
  • Weekly online classes
  • Flexible healthcare and mental health support
  • Enhanced family leave
  • Childcare options
  • Tailored wellbeing support
  • Volunteering opportunities
  • Global growth opportunities, career development and international networking
  • Santander pays mandatory government fees required for visa sponsorship