Junior Credit Risk Analyst

At Frasers Group we’re rethinking retail. Through digital innovation and unique customer experiences, we’re serving our consumers with the world’s best sports, premium and luxury brands globally. As a leader in the industry, we’re elevating the retail experience for our consumers providing flexible and convenient ways to pay across our collection of established brands, including Studio, Sports Direct, FLANNELS, USC, Frasers, and GAME

Frasers Group Financial Services is the next chapter of elevation for the Frasers Group. We fear less and do more. Our people are forward thinkers who are driven to operate outside of their comfort zone to change the future of retail, embracing challenges along the way. The potential to elevate your career is massive, the experience unrivalled.

Why join us?

Our purpose – we are elevating the lives of the many with access to the world’s best brands and experiences

Frasers Group Financial Services is committed to delivering a positive colleague experience and to be able to make the most of it you need to immerse yourself into delivering on our principles:

Think without limits - Think fast, think fearlessly, and take the team with you

Own it and back yourself - Own the basics, own your role and own the results

Be relevant - Relevant to our people, our partners and the planet

This is a great opportunity for someone looking to build a career in reporting and analysis within Financial Services. The role offers the chance to work with data, produce meaningful management information, and support decision-making across the business. You will help maintain regular reporting, investigate trends and issues, and contribute to continuous improvement, while developing valuable technical and analytical skills in a supportive team environment. 

Your day to day responsibilities would be:

• Producing regular management information, reporting and analysis to support lending, operational and business performance monitoring
• Preparing daily, weekly and monthly reports, including month-end packs and ad hoc analysis
• Updating Excel files, reporting trackers and Power BI dashboards, while checking and reconciling data
• Insight on key lending and governance metrics, including trends, variances and surfacing information where required
• Reconciling invoices, tracking queries, and addressing variances with the credit risk manager
• Supporting governance, controls and continuous improvement across reporting processes
• Assisting with governance packs, templates, meeting materials and action tracking
• Maintaining reporting controls, records and documentation to ensure outputs are complete and accurate
• Responsible for running and implementing improvements to operational processes, including handling irresponsible lending complaints and other servicing tasks that support responsible lending practices.
• Building effective working relationships with stakeholders to understand reporting needs and communicate outputs clearly
• Working with teams to gather information for regular and ad hoc reporting
• Communicating reporting outputs, trends and issues clearly and professionally
• Supporting colleagues with reporting queries and helping maintain effective working relationships across the wider business

• Strong numeracy skills and confidence working with data
• Good Excel skills and an interest in working with spreadsheets and data
• An interest in Power BI, reporting tools and data visualisation
• Strong attention to detail and commitment to producing accurate work
• Curiosity and willingness to learn, investigate trends and solve problems
• Ability to build positive relationships and work collaboratively with a range of stakeholders
• Good organisational skills and the ability to manage regular deadlines
• A proactive and methodical approach to tasks
• Motivation to develop new skills and grow within a reporting and analysis role
• Good communication skills, both verbal and written
• Comfortable using Microsoft Office tools
• A numerate degree would be a strong advantage, but is not required

As FGFS is within a regulated environment any offer is subject to satisfactory background checks including criminal record check, credit check, and employment references.

Along with your benefits package we also offer a wide range of perks for our colleagues:

Frasers Champion- Our employees are at the heart of our business and we ensure individuals are recognised every single month for their hard work. Frasers Champion is a peer nominated scheme where 8 winners will receive double their pay for a month where they have lived the Frasers Group values.

Retail Reconnect – In order to build the planets most admired and compelling brand ecosystem, all employees must understand our business, product and customers. Each financial year, head office employees will gain insights by spending one to two days in one of our stores or the warehouse. The goal is to learn how the work you do impacts our teams on the frontline, and to bring ideas back to the office which will improve how we work.

Fearless 1200 – Fearless 1200 is our way of recognising our growth. It’s bold, ambitious, and designed to reward colleagues across the business for living our values and delivering impact. Fearless 1200 links how we perform to how we're rewarded – check out the video link below to find out more.

Employee Welfare

Frasers Fit – Our Everlast Gyms Team are on a mission to make our workforce the best, and fittest on the planet! We run free gym classes for employees as well as discounted memberships to our clubs. Frasers Fit is our wellbeing programme which aims to support and improve colleagues Physical, Financial & Mental wellbeing. The app is accessible for every employee and includes training, nutrition and lifestyle advice- all completely free.

Retail Trust – We know that its not just about physical health, mental wellness is equally important which is why all of our employees get free access and support from the Retail Trust charity. This includes a 24 hour wellbeing helpline, wellness hub, counselling and financial/legal support.

What’s next?

Our Recruitment Team will be reviewing applications and all candidates will receive a response, whether you are successful or unsuccessful. Shortlisted applicants may be asked to confirm a few key details before being booked in for a first stage interview with the Recruiter - this will be behaviourally focussed and centred around how you align with our Culture and Values. If successful we anticipate one or two further interview stages with the Hiring Manager/wider team which will be more technically focussed and could include a presentation/task so we can see your skills in action.