Quality Assurance Analyst - Retail Lending

We're looking for a detail-oriented and proactive Senior QA Analyst to join our Retail Credit Risk team. This role plays a critical part in ensuring that the Group's Lending policy and strategy are accurately interpreted and applied across the Retail lending products. The role holder will be responsible for conducting quality assurance reviews on mortgage lending decisions, as well as arrears management activities, to ensure compliance with policy and to support Credit Risk identify any systemic issues that may lead to non-compliance with policy & strategy. Help maintain and enhance the Quality Assurance Framework by ensuring robust governance and delivering insightful reporting that evidences the quality of operational activity and risk management. Collaborating closely with Lending and Arrears Operations and making proactive recommendations to Credit Risk Senior Management on any areas where policy or strategy can be improved or optimised. This is a fantastic opportunity for someone passionate about credit risk, quality assurance, and driving continuous improvement in a dynamic environment. Location: We operate on a team led hybrid approach with at least 1 day a week in the Coventry & or Manchester office Our benefits include:

• 28 days holiday a year plus bank holidays and a holiday buy/sell scheme
• Annual discretionary bonus scheme
• Personal pension with matched contributions
• Life assurance (6 times annual salary)
  
  We are seeking a credit risk or lending professional with experience in mortgage policy, underwriting and quality assurance. To be successful in this role you will need the following:
Essential experience:
• In-depth knowledge of mortgage lending policy, strategy, and underwriting processes.
• Strong understanding of underwriting components: scorecards, bureau data, affordability models, and policy rules.
• Familiarity with regulatory requirements (e.g. MMR, PRA/FCA) and ability to ensure compliance.
• Proven experience in a QA environment, supporting lending, underwriting, or collections.
• Excellent communication, collaboration, and stakeholder management skills.
• Strong problem-solving and decision-making abilities.
• Ability to apply investigative, research and analytical skills. Use data and MI for effective and insightful reporting
• Ability to manage multiple workstreams and mentor junior colleagues effectively.
Desirable experience:
• Knowledge of automated decisioning systems and digital lending platforms.
• Exposure to broader retail banking products beyond mortgages (e.g. credit cards, personal loans).
  
  In 2025, Coventry Building Society purchased The Co-operative Bank. Bringing together our purpose-led building society with the UK's original ethical bank was the start of an exciting journey.
Trusted by over four million people, we're a mutually owned business free from shareholders, and with our combined experience of almost 300 years, our ethics and dedication will continue to guide us. Together, we have shared values and an ethical approach towards our members, customers and colleagues. We're officially recognised as a 'Great Place to Work' and our benefits go beyond basic pay, with a discretionary bonus scheme, a culture of reward and recognition and comprehensive support for wellbeing. We're serious about equality, of race, age, faith, disability, and sexual orientation and we celebrate diversity. By working together, we know you'll build more than just a career with us. Flexibility and why it matters