Junior Commercial Analyst

Junior Credit Analyst – Cards Existing Customer

Location: UK Remote

Rate: Up to £300 per day, Inside IR35

Contract Duration: 12 Months

Working Pattern: Full-Time

Start Date: ASAP

About the Role

We are seeking a Junior Credit Analyst to join an established Cards Existing Customer Strategy team, supporting the development and delivery of credit strategies for an existing credit card customer portfolio.

This is an excellent opportunity for someone with approximately 2–3 years' experience in credit risk, credit analysis or financial services to develop their skills within an established strategy team.

You will support the analysis and implementation of credit limit strategies, initially focusing on Credit Limit Increases and Credit Limit Decreases. Using SAS and other analytical tools, you will work with customer and portfolio data to identify trends, assess credit risk and provide insights that support commercial decision-making.

Working closely with a Strategy Manager and wider team, you will contribute to ongoing projects, support credit strategy initiatives and help identify opportunities to improve portfolio performance.

Key Responsibilities

• Support the development and implementation of credit strategies for existing credit card customers, including Credit Limit Increases and Decreases.
• Analyse customer and portfolio data to identify trends, credit risk indicators and opportunities for improvement.
• Use SAS programming to extract, manipulate and analyse credit data.
• Support the delivery of existing customer credit strategy initiatives.
• Produce analytical reports and present findings to the wider team.
• Assist with test-and-learn activities, monitoring results and measuring the impact of strategic changes.
• Analyse customer segments and provide insights to support credit strategy recommendations.
• Monitor the performance of existing strategies and highlight potential improvements.
• Work collaboratively with the Strategy Manager and wider stakeholders to deliver agreed initiatives.

Essential Skills & Experience

• Approximately 2–3 years' experience in a credit analyst, credit risk, portfolio analytics or financial services role.
• Hands-on experience using SAS, including coding, data manipulation and analysis.
• Good understanding of credit risk, credit cards or lending products.
• Strong analytical skills with the ability to interpret data and identify trends.
• Good Excel skills and experience using Power BI for reporting and analysis.
• Experience working with large datasets and translating findings into meaningful insights.
• Good commercial awareness and an interest in credit strategy and portfolio performance.
• Strong communication skills and the ability to work effectively as part of a team.
• A proactive approach with a willingness to learn and develop.

Desirable Experience

• Exposure to credit limit management, including Credit Limit Increases and Decreases.
• Understanding of existing customer strategies within a credit card or lending environment.
• Experience supporting test-and-learn activities or strategy performance monitoring.
• Familiarity with customer segmentation and portfolio analysis.