A fast-growing lending organisation is seeking a Credit Analyst to join its Credit and Risk function. This role is central to the assessment, governance, and responsible scaling of both consumer and business lending activity. You will contribute to the design of disciplined underwriting processes, support credit policy development, and help embed robust controls across the lending lifecycle.This is a high-impact opportunity for someone with strong analytical skills who wants to shape the credit function within a modern, data-driven financial services environment.The RoleThe Credit Analyst will evaluate lending applications, guide the development of underwriting standards, and ensure credit decisions are well-documented, consistent, and aligned to risk appetite. Working closely with senior leaders, operations, product and technology teams, you will help build scalable systems, automated processes, and a strong governance framework that supports sustainable portfolio growth.Key ResponsibilitiesCredit Analysis and UnderwritingAssess consumer and business lending applications using financial, behavioural, and affordability data.Perform affordability checks, income verification, cash-flow analysis, and stress testing.Apply and refine credit policies and eligibility criteria.Produce clear, well-structured credit rationales suitable for internal review and regulatory expectations.Automation, Data and AI-Driven UnderwritingSupport the creation of automated underwriting ..... full job details .....