The Role
At NEXT, our brand is evolving and expanding on an immense scale. As a leading retailer, over 40% of our online customers shop using our own branded credit accounts. The Credit & Risk team manages this lending activity, which supports 3 million customers with £1.3B in outstandings. We use data-driven insights to optimise our customer proposition and business profit.
We are looking for an experienced professional to join us as a Lead Credit Risk Analyst. In this role, you will be at the heart of designing, testing, and implementing strategy changes that drive sustainable business growth.
What You Will Take On
In this role, you will take on complex business challenges and lead the development of credit strategies:
Lead Strategy Programmes: Own the day-to-day running of our Credit Limit management strategy programme to successfully optimise risk and growth.
Drive Complex Analysis: Identify risks and opportunities in current processes by analysing multiple data sources and designing randomised control trials.
Collaborate Across Business Functions: Serve as the subject matter expert on credit risk, working with multi-disciplinary teams to deliver commercial value while maintaining regulatory standards.
What You Will Bring
Credit risk experience is essential for this position. We are looking for an analytical professional who can get under the skin of data to solve complex problems:
Professional Experience: A proven background in a credit risk analytical role, specifically within consumer lending or financial services (such as banking or retail credit risk).
Strategic Expertise: Solid experience building or influencing credit lending strategies. Familiarity with NPV modelling is highly advantageous.
Technical Skills: Strong analytical capabilities with a track record of coding in SQL. Experience or familiarity with Databricks, Python, and PowerBI is beneficial.
Communication: Exceptional verbal and written communication skills, with the ability to translate complex data into clear strategic recommendations.
Mindset: A collaborative professional who thrives in a fast-paced environment and is motivated to build on success, learn from challenges, and push boundaries.
Hybrid working is on offer
#LI-DC1
You know Next, but did you know we’re a FTSE-100 retail company employing over 44,000 people across the Next group. We’re the UK’s 2nd largest fashion retailer and for Kidswear we’re the market leader. At the last count we have over 450 stores, plus the Next Online and it’s now possible to buy on-line from over 80 countries around the world! So we’ve gone global!
At Next we never underestimate what we can do. Bring your energy, play to your strengths and never shy away from change. Push yourself and back others. Make things happen that will be bigger and better than before.
Come and work for one of the UK’s biggest retailers. It is everything you could imagine, and so much more. We’re constantly innovating, constantly working on something new and constantly creating more and more exciting new products, which means no day is the same, and no day is dull.
Whether you take up a role in making furniture with our lively warehouse team or join our team of superhuman developers and tech engineers, you’ll be rubbing shoulders with some of the most talented people in the country, who not only work hard but play hard too.
Let's take it on.
