Senior Risk Pricing Analyst

About us

Admiral Money is the dynamic lending arm of Admiral Group, offering personal loans, motor finance, and second charge mortgages 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.

Enjoy flexible, hybrid working and vibrant office spaces designed for collaboration and connection.

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

The Role

We’re currently recruiting for a Senior Credit Strategy and Pricing Analyst to join our Unsecured Personal Loans (UPL) team, with a strong focus on Credit Risk modelling and Credit strategy with data-driven decision making.

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 will be a key contributor to the success of your team and a recognised expert Credit Risk Strategy. You will lead complex analyses, shape proposals, and influence decision-making across Risk Pricing & Portfolio Monitoring. You will also mentor junior colleagues, contribute to cross-functional initiatives, and help drive innovation and continuous improvement across the UPL function.

What You'll Be Doing

• Lead the development and refinement of risk models, including PD, fraud, and death risk, using advanced statistical and machine learning techniques.
• Oversee the monitoring of portfolio performance, identifying key drivers of deviation from expected outcomes and communicating insights to stakeholders.
• Ensure the accuracy and relevance of MI and reporting frameworks used to track risk performance.
• Monitor performance against KPIs and investigate deviations from expected outcomes.
• Collaborate with cross-functional teams to align strategies with business goals.
• Coach and support junior analysts, sharing best practices and technical expertise.
• Contribute to the continuous improvement of processes, tools, and methodologies.

What We're Looking For 

• Several years of experience in an analytical role, ideally within UK retail credit (e.g., personal loans, credit cards, retail finance)
• Proven ability to lead complex analyses and influence strategic decisions.
• Strong technical skills and domain knowledge in credit, pricing, or risk
• 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

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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