Senior Credit Risk Analyst – Unsecured Credit Risk

Santander

Senior Credit Risk Analyst managing unsecured credit risk portfolio with Santander in the United Kingdom. Providing data-driven solutions and managing credit policies on various products.

Posted 6/25/2026full-timeMilton Keynes • 🇬🇧 United KingdomSenior💰 £37,762 - £56,642 per yearWebsite

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Hard Skills

credit risk managementdata analysiscredit risk analysiscredit risk decisioningdata manipulationnumerate subjectmathematicsstatisticsoperational researchengineering

Soft Skills

communication skillscreative thinkingresiliencetenacityattention to detailproblem-solvingrelationship building

Tools & Technologies

data analysis softwarecredit portfolio performance monitoring

Industry Keywords

credit industry productscredit policy oversightrisk policiesrisk strategiesrisk modelsrisk controls

About the role

Key responsibilities & impact

Helping to manage risk for Santander's Unsecured portfolio across multiple products.
Develop skills and experience in credit risk management and knowledge across the product lifecycle as part of a team and working with other parts of the business.
Solving complex business problems using data analysis software, providing practical value-based solutions, and managing portfolios.
Identifying key portfolio issues through deep-dive investigations using our in-depth knowledge of credit portfolio performance.
Develop and implement appropriate value-based risk policies, strategies, models, and controls.
Taking accountability of credit policy oversight by monitoring performance, clearly communicating issues, developing, and recommending changes where appropriate.
Building great Relationships between Risk and other key business areas.

Requirements

What you’ll need

Awareness of credit industry products and markets (Preferred)
Experience in credit risk analysis and credit risk decisioning (Preferred)
Degree level in a numerate subject (e.g. Maths, Statistics, Operational Research, Physics, or Engineering, ideally 2:1) and/or equivalent qualifications/experience (Required)
English (Required)
Coding/Data manipulation experience (Required)
High degree of computer literacy (Required)
Excellent oral and written communication skills (Required)
Creative thinking required as many problems are unprecedented and without guidelines (Preferred)
Resilient to setbacks, with the tenacity, drive and keen eye for detail required to solve complex challenging problems (Preferred)

Benefits

Comp & perks

Wellbeing that goes beyond work — we work with a range of wellbeing partners across our 4 pillars of wellbeing (physical, mental, social and financial) to give you access to a suite of apps, discounted gym and fitness access, weekly online classes, flexible healthcare and mental health support.
Support for every life stage — from menopause and pregnancy to parenthood and beyond, with enhanced family leave, childcare options and tailored wellbeing support.
Time to give back through volunteering opportunities that let you make a difference in the communities we serve.
Global growth opportunities to shape your career, learn new skills and explore what’s possible across our international network.