Junior Credit Risk Analyst
| Company: | Evolution Money Ltd |
|---|---|
| Salary: | £27,0000 |
| Hours: | Full-time |
| Location: | Manchester, M1 3BE |
| Job type: | Permanent |
| Posting date: | 23 Jul 2026 |
| Closing date: | 2 Sept 2026 |
Summary
Job Advert
Job Title: Credit Risk Analyst (Graduate)
Company: Evolution Money
Location: Manchester City Centre
Job Type: Full-time
Basic Salary: £27,000 pa
About Us:
Evolution Money is a Certified B Corp with a social purpose. At Evolution Money, our mission is to redefine financial inclusion by
providing bespoke lending solutions to UK homeowners. We are committed to empowering individuals and fostering long-term financial
well-being. Through innovative and purpose-driven approaches, we aim to challenge traditional norms and create a pathway for those
who might be overlooked by conventional financial institutions.
The Role:
We’re seeking a Junior Credit Risk Analyst to join our Credit Risk team. You’ll use your skills in quantitative/statistical
analysis to help ensure our lending decisions are the right ones for our business and create good customer outcomes.
This role is suitable for a recent graduate in a numerate subject with good skills in quantitative/statistical analysis. A good
working knowledge of SQL (preferable), SAS or SPSS is essential and will be assessed at interview.
Key Responsibilities
* Developing and producing Management Information and reports to monitor the portfolio.
* Assisting Senior Analysts in developing and evolving credit risk strategies to deliver more targeted acquisition and profitable
growth of the business.
* Creation, validation and submission of monthly performance data to Credit Reference Agencies.
* Maintaining and developing new business credit risk strategies in the ADP decision engine.
* Analysing and tracking the effectiveness of KPI’s, ensuring adherence to risk appetite and lending policy, supporting business
profitability growth.
* Working with suppliers and key internal stakeholders to define requirements, procedure, build, test and implement new credit
risk capabilities, ensuring successful delivery.
* To comply with internal policies and procedures, alongside those of our regulator, ensuring good customer outcomes.
Qualifications (minimum):
* A degree in a numerate subject and good skills in quantitative/statistical analysis.
* A good working knowledge of at least one of the following programming languages: SQL, SAS, SPSS
* Skills in Excel, PowerPoint, Power BI & Database packages.
* The ability to interpret data, identifying and prioritising evidence based actions; evaluating the potential impact and risk
associated with proposed actions.
* Commercial acumen – able to understand how analysis and insight translates into business performance/profitably.
* The ability to communicate concepts at a variety of levels.
* The ability to constructively challenge preconceptions, influencing decision making.
* A proactive approach.
Please Note: We are only able to consider candidates who hold the right to work in the UK without sponsorship for a minimum of 24
months. The Junior Credit Risk Analyst role does not meet the requirements for Skilled Worker VISA sponsorship. We expect the
successful candidate to progress towards the role of Credit Risk Analyst within 24 months, subject to performance.
Here’s what you’ll get back:
* Up to 25 days’ annual leave + Bank Holidays
* Your birthday off, every year!
* A healthcare cash plan
* A contributory pensions scheme, matched up to 5%
* Long Service Awards
* Cycle to work scheme
* Life Assurance
Company Culture:
Join us on our journey to redefine financial inclusivity. As we continue to evolve, so do the possibilities for those we serve.
Our goal is not just to provide loans but to architect a future where financial empowerment is a reality for everyone. At
Evolution Money, we value creativity, innovation, and a collaborative spirit. Our team is dedicated to delivering exceptional
results and creating a positive impact in the financial services industry. We believe in fostering a work environment that
encourages growth, learning, and teamwork.
We are committed to encouraging equality, diversity and inclusion and aim to create a working environment where every employee is
respected.
We will provide fairness, and respect to all our prospective employees, and all hiring decisions are based on merit.
We aim to ensure that no job applicant is placed at a disadvantage by practices or requirements which disproportionately
disadvantage protected groups, and which are not justified by the demands of the role.
Everyone is welcome at Evolution Money! We are proud in creating an inclusive and diverse culture in our Evo Team community. We
want to ensure that you feel comfortable and can give your best throughout the recruitment process. We encourage applications
from all backgrounds and communities, and we are more than happy to discuss any reasonable adjustments that you may require.
Please visit our careers site for additional information, along with contact details to reach us directly. Just search ‘Evolution
Money careers’
Evolution Money is a Disability Confident Committed employer. We offer interview to anyone with disability who meets the minimum
criteria for the role.