Credit & Risk Analyst

Job Title: Credit & Risk Analyst - Customer Management

Location: Head Office, Leicester (Hybrid working 1 day a week in the office)

Salary: Up to £45,000 plus bonus & benefits

At Next we have a great opportunity for an analyst to join our growing Credit & Risk Analytics team within Finance. As a team, we are responsible for analysing all aspects of our £1.3B credit portfolio and using data to drive insight on how we can optimise our customer proposition and business profit. You’ll be at the heart of understanding our 3 million credit customers and designing, testing, and implementing strategy changes to help grow our business.

This is a brilliant opportunity for someone currently working in a Credit & Risk role who has great data analysis skills and a real curiosity about solving business problems.

You will need to be the kind of person who enjoys getting stuck into complex problems, confidently analysing a range of data using industry standard tools (e.g. SQL, SAS, Excel), and working on cross functional projects to deliver great products for our customers.

The role affords significant flexible working with the need to be in the office 1 day per week

If you’re excited about using data to drive real business impact, our Credit & Risk Insight Analyst role is a great place to develop your career within a growing business and well known brand!

You will:

1. Produce regular reporting and carry out ad hoc analyses.
2. Comment on trends, adding value through contributing ideas and solutions to any problems or opportunities identified.
3. Identify risks and opportunities in the current strategy and rules through complex analysis, using multiple data sources.
4. Work with internal and external teams to deliver suitable customer management strategies. This could be across contact centre, marketing, customer experience, and tech.
5. Serve as the expert on credit risk and data, while best representing the commercial value and regulatory aspects of lending activity.
6. Translate information into genuine insight that can be used to make informed business decisions.

About you:

1. Experience of working in a Credit & Risk role is essential
2. Outstanding data analysis skills
3. Proven track record of using information to provide business insight
4. A history of using data strategically
5. A demonstrable track record of analysing and reviewing data coupled with an ability to then make recommendations to gain buy in and implement change
6. Experience of working with coding platforms such as SQL/SAS/Python or similar
7. Demonstrable Excel skills
8. A natural problem solver with a proven ability to work logically
9. You will have an eye for detail combined with the drive to get under the skin of complex business challenges, joining the dots across multiple sources of insight
10. Enjoy working with a diverse multi-discipline team to deliver results at pace
11. Strong verbal and written communication skills

About Us
You know Next, but did you know we’re a FTSE-100 retail company employing over 35,000 people across the UK and Ireland. We’re the UK’s 2nd largest fashion retailer and for Kidswear we’re the market leader. At the last count we have over 500 stores, plus the Next Online and it’s now possible to buy on-line from over 70 countries around the world! So we’ve gone global!

About some of our Benefits

• 25% off most NEXT, MADE*, Lipsy*, Gap* and Victoria's Secret* products (*when purchased through NEXT)
• Company performance based bonus
• Sharesave scheme
• On-site Nursery available; OFSTED outstanding in all areas
• 10% off most partner brands & up to 15% off Branded Beauty
• Early VIP access to sale stock
• Access to fantastic discounts at our Staff Shops
• Restaurants with great food at amazing prices
• Access a digital GP and other free health and wellbeing services
• Free on-site parking
• Financial Wellbeing - Save, track and enhance your financial wellbeing
• Apprenticeship - Grow and develop on the job whilst gaining a qualification
• Direct to Work - Discount online and instore, collect your items the next day for free from your place of work or local store
• Support Networks - Access to Network Groups to empower and celebrate each other
• Wellhub - Discounted flexible monthly gym memberships, with apps, PT sessions and more

Conditions apply to all benefits. These benefits are discretionary and subject to change.

We aim to support all candidates during the application process and are happy to provide workplace adjustments when necessary. Should you need support with your application due to a disability or long-term condition, feel free to get in touch with us by email headoffice_careers@next.co.uk (please include 'Workplace Adjustments' in the subject line), or call us on 0116 284 2486 and leave a voicemail.

Apply Before 02/09/2025, 02:52 PM. For further information, and to apply, please visit our website via the “Apply” button below.