Listed on

2nd April


Little Germany, Bradford




This role is to support the business in the management of credit risk; maximising sales opportunities whilst controlling bad debt losses and ensuring continued compliance with consumer credit regulations.


Role Accountabilities


  • Undertake detailed statistical analysis to review and optimise credit decision strategies, processes and models
  • Undertake ad-hoc analysis to inform business decisions and investigate specific risk issues
  • Plan and run small analytical projects ensuring timescales are met and quality is maintained
  • Ensure all analysis is accurate, well presented and delivered within the required timescales. Present outputs of analysis to credit risk management
  • Code, test and implement approved changes to the credit decisioning systems
  • Produce detailed, accurate credit MI and identify emerging trends, risks and opportunities
  • Define and develop new MI reports to meet business needs
  • Compile and maintain comprehensive documentation of credit strategies, procedures and processes
  • Support other areas of the business with credit expertise and analysis.
  • Provide support and training for credit risk analysts
  • Identify and implement continuous improvement initiatives to increase efficiency, resolve issues and/or improve business performance
  • Deputise for the Lead Credit Risk Analyst / Credit Risk Manager
  • To be committed to good outcomes for customers at all times
  • Ensure compliance with all applicable UK and local regulations, Company Policies and FCA Conduct Rules
  • Demonstrate behaviours in line with our Company values
  • To take reasonable care for the health and safety of yourself and other persons who may be affected by acts and omissions at work


Role Related Skills

  • Minimum 2 years' experience in data analytics
  • Good knowledge of the credit customer lifecycle
  • Good understanding of Credit Reference Agency data and its application
  • Competent in data manipulation and analytical techniques
  • Ability to derive and communicate insight from data/Management Information
  • Competent in Microsoft Office, Intermediate Excel
  • Intermediate SAS/SQL capability



  • Educated to Degree Level or equivalent; preferably in a numerate discipline.

Personal Attributes

  • Good written and verbal communication skills.
  • Ability to manage own workload and multiple tasks simultaneously.
  • Ability to complete tasks with minimal supervision.


Role is subject to credit, DBS, Financial Sanctions and background / reference checks


Our staff enjoy competitive benefits including staff discount, generous annual leave, healthcare cash plan together with a vibrant, colourful, creative and flexible working atmosphere. With our competitive benefits, and supportive teams our staff enjoy helping us on our mission and benefit greatly from the challenges that come with working for a successful retailer.


Freemans Grattan Holdings (FGH) is based in West Yorkshire and is part of the OTTO Group - one of the world's largest online retailers.

Home to familiar brands such as Freemans, Grattan and Kaleidoscope, we have over 100 years of experience. 

We're on a mission to help our customers live their best lives through a choice of quality basics, the brands they love and credible exclusive product supported by easy and rewarding ways to pay.

We offer excellent service and delivery seven days a week, with so much going for us - why not be part of the story.

We have over 600 UK employees working for us in various functions, including Marketing and Creative, Customer Experience, Warehousing and Logistics, Financial Services, Transformation, Buying and Merchandising, IT and Support Services. 

Our values of ResilienceEmpathy, Ambition, Commitment, and Honesty underpin our vibrant and dynamic culture.

We're heading for some exciting and challenging places, so why not join us and be part of our vision to create a modern, digital retailer with powerful customer brandsexciting product and compelling financial services. 

Contact Name:

Reference: TJ/11222/fgh/TP/101/388

Job ID: 3316497

Top Skills Listed

Top Locations

You are currently using an outdated browser.

Please consider using a modern browser such as one listed below: