Credit Risk Analyst - In-life lending

About Us.We are The Very Group and we're here to help families get more out of life. We know that our customers work hard for their families and have a lot to balance in their busy lives. That's why we combine amazing brands and products with flexible payment options on Very.co.uk to help them say yes to the things they love. We're just as passionate about helping our people get more out of life too; building careers with real growth, a sense of purpose, belonging and wellbeing.About The Role.We're looking for a Credit Risk Analyst to join our Existing Customer Management team within Credit Risk. This is a fantastic opportunity for someone early in their career to learn, develop, and make a real impact in a fast-paced, dynamic environment.What you'll be doing:Support the optimisation of lending strategies and in-life credit decisionsAnalyse customer behaviour and provide insights to improve decision-makingWork closely with senior analysts and managers to implement systemic changesCollaborate with internal teams and trusted third-party partners on exciting projectsAbout you.Curious, analytical, and detail-oriented with a logical approach to problem-solvingDegree educated (or equivalent experience)Experience with SQL or SAS is an advantage—but not essential, as we'll provide trainingStrong communication skills and the ability to build relationships across the businessSome of our benefitsFlexible, hybrid working modelInclusive culture and environment, check out our Glassdoor reviews £1000 flexible benefits allowance to suit your needs30 days holiday + bank holidaysLinkedIn learning accessBonus potential (performance and business-related)Up to 25% discount on Very.co.ukMatched pension up to 6%More benefits can be found on our career site How To ApplyPlease note that the talent acquisition team are managing this vacancy directly, and if successful in securing this role, you may be required to undertake a credit, CIFAS and DBS check.What happens next?Our talent acquisition team will be in touch if you're successful so keep an eye on your emails! We'll arrange a short call to learn more about you, as well as answer any questions you have. If it feels like we're a good match, we'll share your CV with the hiring manager to review. Our interview process is tailored to each role and can be in-person or held remotely.You can expect a two-stage interview process for this position:1st Stage - A 30-45 minute video call with the hiring team to discuss your skills and relevant experience. This is a great opportunity to learn more about the role and ask any questions you may have.2nd Stage - A one-hour formal onsite interview where you can expect both competency and technical questions.As an inclusive employer please do let us know if you require any reasonable adjustments.If you'd like to know more about our interviews, you can find out here.Equal opportunitiesWe're an equal opportunity employer and value diversity at our company. We do not discriminate based on race, religion, colour, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.