Credit Oversight Lead

We are looking for a Credit Oversight Lead Analyst to join our Financial Risk team in Admiral Money.

The team sits within the second line risk function and is responsible for providing independent oversight of credit risk across the business.

About us

Admiral Money is the dynamic lending arm of Admiral Group, offering personal loans, motor finance, and homeowner loans since 2017. We’re building something special for our customers and are looking for curious, driven individuals ready to learn, take on challenges, and make an impact.

We’re proud to be a certified Great Place to Work for over 25 years, with recognition for Women and Wellbeing. Our inclusive culture empowers everyone to Be You.

Need support during the recruitment process? Just let us know – we’re here to help.

The role

This role plays a key part in delivering robust credit risk oversight through analysis, monitoring, reporting and challenge. Working closely with colleagues across the wider Financial Risk team, as well as first line credit and pricing teams, the role supports a strong understanding of lending performance, early identification of emerging risks, and well‑informed decision making through high‑quality insight.

Reporting into the Senior Credit Risk Manager, this is a great opportunity for someone with strong credit risk analytics experience who is keen to take a lead role in shaping how portfolio risk is monitored, challenged and communicated across the business.

What you’ll be doing

Key responsibilities include:

• Leading second line credit portfolio monitoring, providing clear insight into performance, trends and emerging risks
• Designing, maintaining and enhancing credit risk MI, dashboards and early warning indicators to support effective oversight
• Conducting deep‑dive and thematic reviews covering underwriting performance, strategy changes, portfolio segments, arrears, forbearance, concentrations and other key risk topics
• Providing independent challenge to first line credit and pricing teams on portfolio performance, strategy outcomes and alignment with risk appetite and policy
• Supporting the monitoring of credit risk appetite metrics and limits, highlighting deteriorating trends, potential breaches and areas of concern
• Producing high‑quality analysis and commentary for risk committees and senior stakeholders, translating complex data into clear, decision‑useful insight
• Working closely with the Senior Credit Risk Manager to support strong credit risk policies, controls and governance
• Sharing portfolio insight with Impairment teams to support a consistent understanding of credit performance and risk
• Acting as a senior analytical reference point within the team, coaching others and quality‑assuring analytical output where appropriate

About you

We’re looking for someone who combines strong technical and analytical capability with sound credit risk judgement, and who is confident providing effective second line challenge in a collaborative way.

Essential skills and experience

• Experience working in credit risk analytics, ideally within retail or consumer lending
• Strong analytical and data skills, including experience using SQL and/or Python
• Proven experience analysing portfolio performance and turning data into clear insight and recommendations
• A good understanding of core credit risk management techniques, including performance monitoring, segmentation, early warning indicators, and policy or strategy assessment
• The ability to communicate complex analysis clearly to a range of stakeholders, including senior audiences
• Experience working with, or providing challenge to, first line credit risk, pricing or portfolio teams

Desirable skills and experience

• Experience working within a second line risk or oversight function
• Exposure to secured lending products such as mortgages or motor finance
• Experience producing analysis or commentary for risk committees or formal governance forums
• Experience coaching or reviewing the work of others in an analytical environment
• A naturally curious mindset, with the confidence to explore issues in depth and identify practical actions

Admiral: Where You Can

We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We’re committed to fostering a people-first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service.

Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays). You also have the option to buy or sell up to an additional five days of annual leave.

We’re proud of our people-first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics.

Our fantastic benefits make sure our colleagues have a great work-life balance; You can view some of our other key benefits here.

As a Disability Confident Leader, for candidates with a disability or long-term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process.

If you need any adjustments or support with your application or during the recruitment process, just let us know. Please do email eden.davies39@admiralgroup.co.uk or contact us on   07780038264. This number is dedicated to supporting candidates that require reasonable adjustments or support during the application process.

#LI-ED1 #LI-Money