About the role

We have an exciting opportunity for a Credit Risk Analyst. This role is to support the business in the management of credit risk; maximising sales opportunities whilst controlling bad debt losses and ensuring continued compliance with consumer credit regulations.

Role Responsibilities

Role Accountabilities

• Undertake detailed statistical analysis to review and optimise credit decision strategies, processes and models.
• Undertake ad-hoc analysis to inform business decisions and investigate specific risk issues.
• Ensure all analysis is accurate, well presented and delivered within the required timescales
• Code, test and implement approved changes to the credit decisioning systems.
• Produce detailed, accurate credit MI and identify emerging trends, risks and opportunities
• Develop new MI reports to meet business needs
• Identify and implement continuous improvement initiatives to increase efficiency, resolve issues and/or improve business performance
• Maintain comprehensive documentation of credit strategies, procedures and processes
• Deputise for the Senior Credit Risk Analyst / Lead Credit Risk Analyst
• To be committed to good outcomes for customers at all times
• Ensure compliance with all applicable UK and local regulations, Company Policies and FCA Conduct Rules
• Demonstrate behaviours in line with our Company values
• To take reasonable care for the health and safety of yourself and other persons who may be affected by acts and omissions at work

About you

• Skilled in data manipulation and analytical techniques
• Ability to derive and communicate insight from data/Management Information
• Competent in Microsoft Office
• Educated to Degree Level or equivalent; preferably in a numerate discipline.
• Effective written and verbal communication skills
• 37.5 hours per week
• Able to commute to Bradford city centre 2 days per week (across Tue, Wed & Thu)
• May be required to work out of hours in an emergency

Role is subject to credit, DBS, Financial Sanctions and background / reference checks

Why FGH?

Our staff enjoy competitive benefits including staff discount, generous annual leave, healthcare cash plan together with a vibrant, colourful, creative and flexible working atmosphere. With our competitive benefits, and supportive teams our staff enjoy helping us on our mission and benefit greatly from the challenges that come with working for a successful retailer.

About us

Freemans Grattan Holdings (FGH) is based in West Yorkshire and is part of the OTTO Group – one of the world's largest online retailers.

Home to familiar brands such as Freemans, Grattan and Kaleidoscope, we have over 100 years of experience. 

We're on a mission to help our customers live their best lives through a choice of quality basics, the brands they love and credible exclusive product supported by easy and rewarding ways to pay.

We offer excellent service and delivery seven days a week, with so much going for us - why not be part of the story.

We have over 600 UK employees working for us in various functions, including Marketing and Creative, Customer Experience, Warehousing and Logistics, Financial Services, Transformation, Buying and Merchandising, IT and Support Services. 

Our values of Resilience, Empathy, Ambition, Commitment, and Honesty underpin our vibrant and dynamic culture.

We're heading for some exciting and challenging places, so why not join us and be part of our vision to create a modern, digital retailer with powerful customer brands, exciting product and compelling financial services.