Senior Credit Risk Analyst

Ford Motor Company

Senior Credit Risk Analyst at Ford Credit Services shaping automotive lending risk reporting and collaborating on credit risk assessment committees.

Posted 6/5/2026full-timeDunton • 🇬🇧 United KingdomSeniorWebsite

About the role

Key responsibilities & impact

Design, implement, and develop management information (MI) to monitor credit risk, refining our suite of metric reports (risk appetite, KPIs, KRIs) across the consumer portfolio lifecycle.
Conduct standardized variance analyses to explain credit risk movements by causal factors (borrower behavior, macroeconomic indices) across individual FCE markets and on an FCE-wide basis.
Lead ad-hoc credit risk projects that support FCE’s strategic growth, risk-mitigation strategies, and digital transformation.
Build and maintain strong business relationships with 1LOD Operations, Finance, and external suppliers to enhance originations processes and credit scorecards.
Identify emerging credit risks through data analysis and external scanning, providing actionable mitigation recommendations and monitoring their success post-implementation.
Support the implementation of qualitative underwriting guidelines and the development/testing of both qualitative and quantitative credit scorecards.
Provide robust Second Line oversight and support for Credit Committee proposals and portfolio assurance activities.
Coach, guide, and support junior team members within the Risk function.

Requirements

What you’ll need

Proven experience establishing, monitoring, and developing underwriting guidelines and credit proposal quality assessments.
Experience designing credit risk policies and procedures that improve organizational effectiveness.
Experience supporting and presenting credit risk assessments in Credit Committees.
Strong capability to assess the creditworthiness of retail consumer customers.
Ability to operate in a fast-paced environment, build strong relationships, and influence stakeholders with gravitas.
An analytical, data-driven mindset with a proven ability to solve complex business challenges.
Excellent communication skills, with the ability to interface confidently with senior leaders, Board members, and global stakeholders.

Benefits

Comp & perks

The Company is committed to diversity and equality of opportunity for all and is opposed to any form of less favourable treatment or harassment on the grounds of race, religion or belief, sex, marriage and civil partnership, pregnancy and maternity, age, sexual orientation, gender reassignment or disability.

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Hard Skills & Tools

credit risk managementvariance analysisdata analysisunderwriting guidelinescredit scorecardscredit risk policiescredit proposal assessmentsquantitative analysisqualitative analysisrisk appetite metrics

Soft Skills

relationship buildinginfluencing stakeholdersanalytical mindsetproblem solvingcommunication skillscoachingguiding team membersstrategic thinkingadaptabilitycollaboration