Risk Manager Birmingham, hybrid (3 days onsite) £60,000 to £70,000 plus benefits A great opportunity to join a fast-moving lender during a period of growth. This role suits someone who enjoys hands-on analytics, influencing credit strategy, and working directly with major retail partners. The Company They are a well-established consumer finance provider supporting a range of high-profile retail portfolios. With new partnerships launching and strong investment in credit capability, this is a dynamic environment where you can make a visible impact. You will join a collaborative team known for long-term development and progression. The Role Manage credit risk performance across a key retail finance portfolio. Deliver analytics using SAS or SQL and support forecasting for bad debt and pricing. Use MI, CRA data, and third-party sources to produce actionable insight. Present recommendations to internal stakeholders and external partners. Identify optimisation opportunities across acquisition and portfolio strategy. Your Skills and Experience Strong experience in credit risk, retail lending, or portfolio analytics. Proficient in SAS or SQL with strong Excel skills; Python is beneficial. Confident interpreting MI and credit bureau data. Able to communicate insights clearly to stakeholders. What They Offer Salary between £60,000 and £70,000. Hybrid working with three days in Birmingham. Benefits package with flexible options and clear progression opportunities. ..... full job details .....