Graduate Credit & Risk Analyst

The Role

Are you ready to launch your career in Credit & Risk with one of the UK’s leading retailers?

Next PLC, a FTSE 100 company, is looking for ambitious, driven, and talented analytical graduates to join our Credit & Risk Analyst Graduate Programme. This is a fantastic opportunity to join an industry-leading retailer with a £1.3bn consumer credit portfolio, where you’ll work in a fast-paced, dynamic environment that will challenge and accelerate your development.

You’ll be working in a team that mixes data analysis, statistical modelling, consumer insight, project management and more, to optimise the risk and revenue of our 3 million-strong credit customer base, testing and implementing strategies that drive real business impact. Based just outside Leicester, you’ll benefit from a hybrid working model that offers flexibility between office and home working.

At Next, we believe in nurturing talent and providing our graduates with all the tools and opportunities they need to become the leaders of tomorrow. From the moment you join, you’ll be supported, stretched, and given real responsibility to help you build a successful career. Here’s why joining Next will be the best decision for your career:

• Industry-leading training & development: A structured programme designed to accelerate your growth.

• Real responsibility: Contribute to key strategic decisions and gain exposure across the full life-cycle of consumer credit risk, from Recruitment and Customer Management through to Collections, Recoveries, and Fraud.

• Supportive mentorship: Learn from experienced Credit & Risk professionals who will guide and support your development.

• Career progression: Our graduate programme is designed to set you up for success, with a clear path to senior roles within the business.

What you will take on

As part of our structured Graduate Programme, you’ll:

• Produce regular reports and carry out ad hoc analysis to identify trends, generate insights, and propose innovative solutions

• Perform in-depth analysis to identify risks and opportunities within existing processes and decisioning strategies

• Work with multiple data sources using Microsoft Databricks to inform and enhance credit risk strategies

• Collaborate with teams across the business—including contact centre, marketing, customer experience, and technology—to implement portfolio strategies

• Develop expertise in credit risk, balancing commercial objectives with regulatory requirements

• Present insights and strategic recommendations using data visualisations tools like PowerBi to stakeholders, influencing decision-making

What you will bring

The Credit & Risk team run a business that generates >£180m profit annually. We’re seeking talented graduates who are motivated by high-impact decision making and are commercially driven.

The ideal candidate will have:

• A predicted or achieved 2:1 degree (or above) in Finance, Economics, Mathematics, Statistics, or a related/STEM discipline

• Strong analytical and numerical skills with a high level of attention to detail

• Proficiency in Excel and ideally, experience with SQL/Python or similar tools

• Strong communication and interpersonal skills, with the ability to work collaboratively across teams

• A proactive, driven attitude and the ability to thrive in a fast-paced environment

• Confidence in presenting insights and influencing decisions

• A genuine desire to learn, develop, and build a long-term career in Credit & Risk

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Benefits