Credit Risk and Pricing Analyst

About Admiral Money

At Admiral Money, we’re building innovative, fair, and responsible lending products that meet real customer needs. Backed by the strength of the Admiral Group, we’re growing fast and looking for smart, curious, and collaborative people to help us shape the future of personal finance.
We’re currently recruiting for a Credit and Pricing Analyst to join our Unsecured Personal Loans (UPL) team – with a strong focus on affordability modelling, credit strategy, and data-driven decision making.

The Role

This is an exciting opportunity for an analytically minded person with a passion for responsible lending and a solid background in UK retail credit. You’ll play a key role in evolving Admiral Money’s approach to affordability and lending decisions, helping us ensure we’re lending responsibly while driving commercial performance.
You’ll be hands-on with data, developing and refining affordability models, and working with the wider team to question the status quo – particularly around how we use data (including Open Banking) to make smarter, fairer decisions for our customers.

What You'll Be Doing

• Building, maintaining and enhancing affordability models to ensure accurate and responsible lending decisions
•  Working with stakeholders across credit risk, pricing, product, and compliance to improve how we assess affordability
• Challenging existing methodologies and driving innovation using new data sources like Open Banking
• Supporting transformative initiatives that shape the future of Admiral Money’s credit strategy
• Producing analysis and insight to inform lending criteria, pricing, and product decisions
• Ensuring a customer-centric and compliant approach to lending in line with FCA expectations
• Communicating your findings clearly to technical and non-technical stakeholders

What We’re Looking For

• Experience in an analytical role, ideally within UK retail credit (e.g., personal loans, credit cards, retail finance)
• Understanding of affordability assessments, models, and the importance of responsible lending
• Strong SQL skills (essential); experience in Python or similar (desirable)
• Comfortable working with large datasets and drawing actionable insights
• Curiosity and confidence to question current practices and suggest improvements
• Excellent communication skills and ability to work cross-functionally
• A collaborative mindset with a willingness to learn – full technical training will be provided

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.

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