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.
- Deliver Structured Recommendations: Build and present clear, data-backed insights to stakeholders to gain buy-in and implement meaningful change.
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
About UsYou 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! About the Team- 25% off most NEXT, MADE*, Lipsy*, Gap* and Victoria's Secret* products (*when purchased through NEXT)
- Company performance based bonus
- Sharesave scheme
- On-site Nursery available; OFSTED outstanding in all areas
- 10% off most partner brands & up to 15% off Branded Beauty
- Early VIP access to sale stock
- Access to fantastic discounts at our Staff Shops
- Restaurants with great food at amazing prices
- Access a digital GP and other free health and wellbeing services
- Free on-site parking
- Financial Wellbeing - Save, track and enhance your financial wellbeing
- Apprenticeship - Grow and develop on the job whilst gaining a qualification
- Direct to Work - Discount online and instore, collect your items the next day for free from your place of work or local store
- Support Networks - Access to Network Groups to empower and celebrate each other
- Wellhub - Discounted flexible monthly gym memberships, with apps, PT sessions and more
Skills Required
- Proven background in a credit risk analytical role within consumer lending or financial services
- Strong analytical capabilities with a track record of coding in SQL
- Experience building or influencing credit lending strategies
- Exceptional verbal and written communication skills
- Collaborative mindset and ability to work in a fast-paced environment
- Familiarity with NPV modelling
- Experience or familiarity with Databricks, Python, and PowerBI
What We Do
BD is one of the largest global medical technology companies in the world and is advancing the world of health by improving medical discovery, diagnostics and the delivery of care. The company supports the heroes on the frontlines of health care by developing innovative technology, services and solutions that help advance both clinical therapy for patients and clinical process for health care providers. BD and its 65,000 employees have a passion and commitment to help improve patient outcomes, improve the safety and efficiency of clinicians’ care delivery process, enable laboratory scientists to better diagnose disease and advance researchers’ capabilities to develop the next generation of diagnostics and therapeutics. BD has a presence in virtually every country and partners with organizations around the world to address some of the most challenging global health issues. By working in close collaboration with customers, BD can help enhance outcomes, lower costs, increase efficiencies, improve safety and expand access to health care. In 2017, BD welcomed C. R. Bard and its products into the BD family. For more information on BD, please visit bd.com.
