Senior Credit Risk Analyst
| Posting date: | 19 November 2025 |
|---|---|
| Salary: | Not specified |
| Additional salary information: | £45 to £60K dependant on experience |
| Hours: | Full time |
| Closing date: | 19 December 2025 |
| Location: | Manchester, M1 3BE |
| Company: | Evolution Money Ltd |
| Job type: | Permanent |
| Job reference: | 100 |
Summary
Job Advert
Job Title: Senior Credit Risk Analyst
Company: Evolution Money
Location: Manchester City Centre
Job Type: Full-time
Basic Salary: £45-£60K dependant on experience
About Us:
Evolution Money is a Certified B Corp with a social purpose. At Evolution Money, our mission is to redefine financial inclusion by
providing bespoke lending solutions to UK homeowners. We are committed to empowering individuals and fostering long-term financial
well-being. Through innovative and purpose-driven approaches, we aim to challenge traditional norms and create a pathway for those
who might be overlooked by conventional financial institutions.
The Role:
Reporting to the Head of Credit Risk, the Senior Credit Risk Analyst will be a key player in defining and executing the company's
credit risk analytics and data strategy. The core purpose of the role is to manage the end-to-end credit risk data lifecycle, from
collection and validation to analysis and reporting, to ensure sound lending practices, minimise financial losses, and support
sustainable growth.
Key Responsibilities
* Data Extraction and Preparation: Extract and manipulate large volumes of data from various internal systems and external data
sources (e.g., credit bureaus) using SQL, SAS and other data manipulation tools.
* Portfolio Monitoring: Produce regular and ad-hoc Management Information (MI) reports on key credit risk metrics (e.g.,
delinquencies, default rates, loss rates, impairment levels) for management and regulatory reporting.
* Analysis and Insight: Conduct in-depth analysis of portfolio trends to identify emerging risks and opportunities. Translate
complex data insights into clear, actionable recommendations for the Credit Risk team and wider business stakeholders.
* Manage the current Credit Risk data tables.
* Represent Credit Risk in the development of the Company data strategy to ensure it meets the requirements of Credit Risk.
Ensure continuity of reporting during the development along with the migration of existing data to the new Company data
warehouse.
* Balance short-term business demands with long-term analytical strategy and sustainability.
* To comply with internal policies and procedures, alongside those of our regulator, ensuring that we Treat Customers Fairly.
Qualifications (minimum):
* A degree in a numerate subject and good skills in quantitative/statistical analysis.
* Strong technical proficiency in at least one of the following programming languages: SQL, SAS, SPSS
* Strong experience in data visualisation (Power BI ideal)
* Minimum two years’ experience in a role involving practical, in-depth utilisation of the technologies listed above (beyond
introductory or theoretical exposure).
Qualifications (Additional)
* Proficiency in data cleaning, transformation, and preparation.
* Skills in Excel, PowerPoint & Database packages.
* The ability to interpret data, identifying and prioritising evidence based actions; evaluating the potential impact and risk
associated with proposed actions.
* Commercial acumen – able to understand how analysis and insight translates into business performance/profitably.
* The ability to communicate concepts at a variety of levels.
* The ability to constructively challenge preconceptions, influencing decision making.
* A proactive approach.
Here’s what you’ll get back:
* Up to 25 days’ annual leave + Bank Holidays
* Your birthday off, every year!
* A healthcare cash plan
* A contributory pensions scheme, matched up to 5%
* Long Service Awards
* Cycle to work scheme
* Life Assurance
Company Culture:
Join us on our journey to redefine financial inclusivity. As we continue to evolve, so do the possibilities for those we serve.
Our goal is not just to provide loans but to architect a future where financial empowerment is a reality for everyone. At
Evolution Money, we value creativity, innovation, and a collaborative spirit. Our team is dedicated to delivering exceptional
results and creating a positive impact in the financial services industry. We believe in fostering a work environment that
encourages growth, learning, and teamwork.
We are committed to encouraging equality, diversity and inclusion and aim to create a working environment where every employee is
respected.
We will provide fairness, and respect to all our prospective employees, and all hiring decisions are based on merit.
We aim to ensure that no job applicant is placed at a disadvantage by practices or requirements which disproportionately
disadvantage protected groups, and which are not justified by the demands of the role.
Everyone is welcome at Evolution Money! We are proud in creating an inclusive and diverse culture in our Evo Team community. We
want to ensure that you feel comfortable and can give your best throughout the recruitment process. We encourage applications
from all backgrounds and communities, and we are more than happy to discuss any reasonable adjustments that you may require.
Please get in touch with us at any stage of recruitment to discuss it: evohr@evolutionmoney.co.uk [evohr@evolutionmoney.co.uk]
If you need any support with completing this application, please contact evohr@evolutionmoney.co.uk [evohr@evolutionmoney.co.uk]
and we will be happy to assist.
Evolution Money is a Disability Confident Committed employer. We offer interview to anyone with disability who meets the minimum
criteria for the role.
Job Title: Senior Credit Risk Analyst
Company: Evolution Money
Location: Manchester City Centre
Job Type: Full-time
Basic Salary: £45-£60K dependant on experience
About Us:
Evolution Money is a Certified B Corp with a social purpose. At Evolution Money, our mission is to redefine financial inclusion by
providing bespoke lending solutions to UK homeowners. We are committed to empowering individuals and fostering long-term financial
well-being. Through innovative and purpose-driven approaches, we aim to challenge traditional norms and create a pathway for those
who might be overlooked by conventional financial institutions.
The Role:
Reporting to the Head of Credit Risk, the Senior Credit Risk Analyst will be a key player in defining and executing the company's
credit risk analytics and data strategy. The core purpose of the role is to manage the end-to-end credit risk data lifecycle, from
collection and validation to analysis and reporting, to ensure sound lending practices, minimise financial losses, and support
sustainable growth.
Key Responsibilities
* Data Extraction and Preparation: Extract and manipulate large volumes of data from various internal systems and external data
sources (e.g., credit bureaus) using SQL, SAS and other data manipulation tools.
* Portfolio Monitoring: Produce regular and ad-hoc Management Information (MI) reports on key credit risk metrics (e.g.,
delinquencies, default rates, loss rates, impairment levels) for management and regulatory reporting.
* Analysis and Insight: Conduct in-depth analysis of portfolio trends to identify emerging risks and opportunities. Translate
complex data insights into clear, actionable recommendations for the Credit Risk team and wider business stakeholders.
* Manage the current Credit Risk data tables.
* Represent Credit Risk in the development of the Company data strategy to ensure it meets the requirements of Credit Risk.
Ensure continuity of reporting during the development along with the migration of existing data to the new Company data
warehouse.
* Balance short-term business demands with long-term analytical strategy and sustainability.
* To comply with internal policies and procedures, alongside those of our regulator, ensuring that we Treat Customers Fairly.
Qualifications (minimum):
* A degree in a numerate subject and good skills in quantitative/statistical analysis.
* Strong technical proficiency in at least one of the following programming languages: SQL, SAS, SPSS
* Strong experience in data visualisation (Power BI ideal)
* Minimum two years’ experience in a role involving practical, in-depth utilisation of the technologies listed above (beyond
introductory or theoretical exposure).
Qualifications (Additional)
* Proficiency in data cleaning, transformation, and preparation.
* Skills in Excel, PowerPoint & Database packages.
* The ability to interpret data, identifying and prioritising evidence based actions; evaluating the potential impact and risk
associated with proposed actions.
* Commercial acumen – able to understand how analysis and insight translates into business performance/profitably.
* The ability to communicate concepts at a variety of levels.
* The ability to constructively challenge preconceptions, influencing decision making.
* A proactive approach.
Here’s what you’ll get back:
* Up to 25 days’ annual leave + Bank Holidays
* Your birthday off, every year!
* A healthcare cash plan
* A contributory pensions scheme, matched up to 5%
* Long Service Awards
* Cycle to work scheme
* Life Assurance
Company Culture:
Join us on our journey to redefine financial inclusivity. As we continue to evolve, so do the possibilities for those we serve.
Our goal is not just to provide loans but to architect a future where financial empowerment is a reality for everyone. At
Evolution Money, we value creativity, innovation, and a collaborative spirit. Our team is dedicated to delivering exceptional
results and creating a positive impact in the financial services industry. We believe in fostering a work environment that
encourages growth, learning, and teamwork.
We are committed to encouraging equality, diversity and inclusion and aim to create a working environment where every employee is
respected.
We will provide fairness, and respect to all our prospective employees, and all hiring decisions are based on merit.
We aim to ensure that no job applicant is placed at a disadvantage by practices or requirements which disproportionately
disadvantage protected groups, and which are not justified by the demands of the role.
Everyone is welcome at Evolution Money! We are proud in creating an inclusive and diverse culture in our Evo Team community. We
want to ensure that you feel comfortable and can give your best throughout the recruitment process. We encourage applications
from all backgrounds and communities, and we are more than happy to discuss any reasonable adjustments that you may require.
Please get in touch with us at any stage of recruitment to discuss it: evohr@evolutionmoney.co.uk [evohr@evolutionmoney.co.uk]
If you need any support with completing this application, please contact evohr@evolutionmoney.co.uk [evohr@evolutionmoney.co.uk]
and we will be happy to assist.
Evolution Money is a Disability Confident Committed employer. We offer interview to anyone with disability who meets the minimum
criteria for the role.
Proud member of the Disability Confident employer scheme
Disability Confident
About Disability Confident
A Disability Confident employer will generally offer an interview to any applicant that declares they have a disability and meets the minimum criteria for the job as defined by the employer. It is important to note that in certain recruitment situations such as high-volume, seasonal and high-peak times, the employer may wish to limit the overall numbers of interviews offered to both disabled people and non-disabled people. For more details please go to Disability Confident.