6 Retail Trends jobs in the United Kingdom

The Role   

• We are seeking experienced Retail Insights Manager to join our rapidly expanding Retail Insights team working with our client in  the North of England 

• You will work along-side our passionate, driven and supportive consultants in a fast-paced environment.    

• You will play a pivotal role in shaping the strategic direction of our client’s business by driving data analytics initiatives across the organisation.    

• Predominately you will create and present your own analysis using the MoreViu insight platform, but occasionally you will need to collaborate with a talented team of analysts and insights specialist. Creating bespoke insights that directly influence business strategies and enhance customer experiences.     

• In today’s competitive grocery landscape, understanding consumer preferences and market dynamics is essential for sustained growth. As such, the Retail Insights Manager will be responsible for developing and implementing robust analytics frameworks and methodologies that ensure our data insights are not only relevant but also actionable for our client.    

• This role demands a blend of strategic thinking and technical expertise, with a focus on identifying trends, uncovering opportunities for innovation, and delivering insights that foster informed decision-making.    
• Ultimately, this role is about more than just data analysis; it is about leading a our retail partners to unlock critical insights that drive business success and enhance the overall shopping experience for our customers, ensuring our clients business remains a leader in the grocery sector.   

The role will be Hybrid/North England  for up to 3 days per week as required.    

Key Responsibilities:   

• Act as a key advisor to the client’s category teams on retail insights, ensuring insights are integrated into marketing, store operations, and category management strategies.   

• Use analysis of sales data, customer feedback, and market trends to generate actionable insights that influence commercial strategies.   

• Develop and implement analytics frameworks and methodologies to enhance the reliability and relevance of insights generated.   

• Collaborate with cross-functional teams, including marketing, merchandising, and operations, to provide data-driven recommendations that enhance product assortment, pricing strategies, and promotional activities.   

• Present insights and strategic recommendations to senior leadership to support business planning and execution.   

• Conduct comprehensive market research to understand competitive positioning, consumer preferences, and emerging trends within the grocery sector.   

• Utilise advanced analytics and segmentation techniques to deliver tailored insights.   

• Establish key performance indicators (KPIs) to measure the effectiveness of retail strategies and initiatives.   

• Prepare and present regular reports on insights, trends, and performance metrics to guide strategic decision-making and enhance overall business performance.   

• Build strong relationships with internal stakeholders to promote a data-driven culture and support strategic initiatives.   

Requirements

• 4+ years of experience within the grocery or consumer retail sectors in retail analytics, insights generation, or a related field e.g. with a consulting environment or agency  (Dunnhumby, Circana, Nectar360, Quantium, SymphonyAI)   

• Proven experience in managing projects successfully in a fast-paced environment.   

• Strong analytical and data visualisation skills, with proficiency in Excel, Powerpoint and BI reporting tools or in tools such as or similar analytics platforms.   

• Exceptional communication and presentation skills, with the ability to translate complex data insights into actionable strategies for various stakeholders.   

• Strong understanding of retail metrics, consumer behaviour, and market dynamics   

• Loves collaborating within a supportive and high performing environment.   

• An active learner with an inquisitive mind and talent for problem solving.   

Benefits

• Competitive salary (subject to experience)   

• Paid annual leave   

• A supportive, driven culture and a great team with an outstanding mix of talent and experience   

• A dynamic environment in which you can personally learn, develop and make an impact   

• Strong involvement in shaping a growing Tech business from its early days   

Do you want your voice heard and your actions to count? Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.Overview of the Department/SectionThe Credit Analysis team is the Bank’s first line of defence, sitting alongside CIB bankers to promote an optimal risk / return on the banks’ lending opportunities. Credit Analysis is a 50+ team organised into 5 sector corporate teams. Each credit analyst is responsible for managing risk exposure across an EMEA wide portfolio. Analysts work with Front Office teams on live transactions & risk monitoring to identify and mitigate risks associated with the structure, documentation, counterparty, industry and macroeconomics.Main Purpose of the Role We are looking for a senior credit analyst on a 12 month fixed term contract basis to cover a varied portfolio of largely non IG/private company/complex IG corporate credits across the Consumer and Retail space.The credit analyst will perform forward looking fundamental credit calls on live transactions, limit renewals and annual reviews. Along with client meetings the analyst completes a credit opinion including cash flow forecast, recommending approval, a neutral stance, or non-approval of the proposed transaction.Updating financial analysis for quarterly and year end results. Actively monitoring assigned portfolio of IG and NIG corporates for potential changes in credit risk. Assign or update internal ratings.Coach junior team members and assist team manager to review their papers.Assist team manager in the management of the team workflow and other day to day operations/projects/initiatives.Key ResponsibilitiesLead complex client credit due diligence following key risk events or for on-boarding of new clients. Quickly assess key credit issues, raise salient points to the correct stakeholders and to assess the risk- reward trade off.Ability to multi-task and manage ever changing and often conflicting priorities; Ability to work with a high level of motivation and initiative;Work diligently to develop technical skills and industry knowledge related to the role. Work towards becoming an expert in a sector and/or geography. Ensure accurate and timely compliance with internal rules and reporting procedures.Undertake specific country and industrial sector research as well as leading other team or departmental project work as appropriate.As directed, support the development of junior staff members through coaching and review of work.Work ExperienceExtensive experience in fundamental credit analysis, preferably gained in a corporate or investment bank.There should be an emphasis on credit analysis in the context of a transaction or event.Skills and ExperienceFunctional / Technical Competencies:Experience of covering Investment Grade, Non-Investment Grade and private company credits.Preference for prior experience in the Consumer & Retail sectors across EMEA, albeit not mandatory.Ability to take a forward looking view using cash flow modelling and stressing testing.Existing experience in coaching, mentoring and reviewing junior credit analysts work.Strong understanding of complex loan/bond documentation and key credit protections. Good understanding of market risk and ISDA’s.Languages desirable and ability to work across regions with locally based coverage teamsEducation / Qualifications: Degree level.Other financial professional qualifications (e.g. CFA, ACCA, ACA etc.) will be seen as highly beneficial.Personal RequirementsA proactive, motivated approach.The ability to operate with urgency and prioritise work accordinglyStrong decision making skills, the ability to demonstrate sound judgementA structured and logical approach to workStrong problem solving skillsThe ability to manage large workloads and tight deadlinesExcellent attention to detail and accuracyStrong numerical skillsWe are open to considering flexible working requests in line with organisational requirements.MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.

**Do you want your voice heard and your actions to count?**



Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the worldu2019s leading financial groups. Across the globe, weu2019re 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.



With a vision to be the worldu2019s most trusted financial group, itu2019s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.



Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.



**Overview of the Department/Section**


The Credit Analysis team is the Banku2019s first line of defence, sitting alongside CIB bankers to promote an optimal risk / return on the banksu2019 lending opportunities.
Credit Analysis is a 50+ team organised into 5 sector corporate teams. Each credit analyst is responsible for managing risk exposure across an EMEA wide portfolio.
Analysts work with Front Office teams on live transactions & risk monitoring to identify and mitigate risks associated with the structure, documentation, counterparty, industry and macroeconomics.



**Main Purpose of the Role**


We are looking for a senior credit analyst on a 12 month fixed term contract basis to cover a varied portfolio of largely non IG/private company/complex IG corporate credits across the Consumer and Retail space.
The credit analyst will perform forward looking fundamental credit calls on live transactions, limit renewals and annual reviews.
Along with client meetings the analyst completes a credit opinion including cash flow forecast, recommending approval, a neutral stance, or non-approval of the proposed transaction.
Updating financial analysis for quarterly and year end results. Actively monitoring assigned portfolio of IG and NIG corporates for potential changes in credit risk. Assign or update internal ratings.
Coach junior team members and assist team manager to review their papers.
Assist team manager in the management of the team workflow and other day to day operations/projects/initiatives.



**Key Responsibilities**


Lead complex client credit due diligence following key risk events or for on-boarding of new clients.
Quickly assess key credit issues, raise salient points to the correct stakeholders and to assess the risk- reward trade off.
Ability to multi-task and manage ever changing and often conflicting priorities; Ability to work with a high level of motivation and initiative;
Work diligently to develop technical skills and industry knowledge related to the role. Work towards becoming an expert in a sector and/or geography.
Ensure accurate and timely compliance with internal rules and reporting procedures.
Undertake specific country and industrial sector research as well as leading other team or departmental project work as appropriate.
As directed, support the development of junior staff members through coaching and review of work.



**Work Experience**


Extensive experience in fundamental credit analysis, preferably gained in a corporate or investment bank.
There should be an emphasis on credit analysis in the context of a transaction or event.



**Skills and Experience**



**Functional / Technical Competencies:**


Experience of covering Investment Grade, Non-Investment Grade and private company credits.
Preference for prior experience in the Consumer & Retail sectors across EMEA, albeit not mandatory.
Ability to take a forward looking view using cash flow modelling and stressing testing.
Existing experience in coaching, mentoring and reviewing junior credit analysts work.
Strong understanding of complex loan/bond documentation and key credit protections. Good understanding of market risk and ISDAu2019s.
Languages desirable and ability to work across regions with locally based coverage teams



**Education / Qualifications:**


Degree level.
Other financial professional qualifications (e.g. CFA, ACCA, ACA etc.) will be seen as highly beneficial.



**Personal Requirements**


A proactive, motivated approach.
The ability to operate with urgency and prioritise work accordingly
Strong decision making skills, the ability to demonstrate sound judgement
A structured and logical approach to work
Strong problem solving skills
The ability to manage large workloads and tight deadlines
Excellent attention to detail and accuracy
Strong numerical skills



We are open to considering flexible working requests in line with organisational requirements.



MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.



We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.



At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!



**Our Culture Principles**


Client Centric
People Focused
Listen Up. Speak Up.
Innovate & Simplify
Own & Execute

**Do you want your voice heard and your actions to count?**



Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the worldu2019s leading financial groups. Across the globe, weu2019re 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.



With a vision to be the worldu2019s most trusted financial group, itu2019s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.



Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.



**Overview of the Department/Section**


The Credit Analysis team is the Banku2019s first line of defence, sitting alongside CIB bankers to promote an optimal risk / return on the banksu2019 lending opportunities.
Credit Analysis is a 50+ team organised into 5 sector corporate teams. Each credit analyst is responsible for managing risk exposure across an EMEA wide portfolio.
Analysts work with Front Office teams on live transactions & risk monitoring to identify and mitigate risks associated with the structure, documentation, counterparty, industry and macroeconomics.



**Main Purpose of the Role**


We are looking for a senior credit analyst on a 12 month fixed term contract basis to cover a varied portfolio of largely non IG/private company/complex IG corporate credits across the Consumer and Retail space.
The credit analyst will perform forward looking fundamental credit calls on live transactions, limit renewals and annual reviews.
Along with client meetings the analyst completes a credit opinion including cash flow forecast, recommending approval, a neutral stance, or non-approval of the proposed transaction.
Updating financial analysis for quarterly and year end results. Actively monitoring assigned portfolio of IG and NIG corporates for potential changes in credit risk. Assign or update internal ratings.
Coach junior team members and assist team manager to review their papers.
Assist team manager in the management of the team workflow and other day to day operations/projects/initiatives.



**Key Responsibilities**


Lead complex client credit due diligence following key risk events or for on-boarding of new clients.
Quickly assess key credit issues, raise salient points to the correct stakeholders and to assess the risk- reward trade off.
Ability to multi-task and manage ever changing and often conflicting priorities; Ability to work with a high level of motivation and initiative;
Work diligently to develop technical skills and industry knowledge related to the role. Work towards becoming an expert in a sector and/or geography.
Ensure accurate and timely compliance with internal rules and reporting procedures.
Undertake specific country and industrial sector research as well as leading other team or departmental project work as appropriate.
As directed, support the development of junior staff members through coaching and review of work.



**Work Experience**


Extensive experience in fundamental credit analysis, preferably gained in a corporate or investment bank.
There should be an emphasis on credit analysis in the context of a transaction or event.



**Skills and Experience**



**Functional / Technical Competencies:**


Experience of covering Investment Grade, Non-Investment Grade and private company credits.
Preference for prior experience in the Consumer & Retail sectors across EMEA, albeit not mandatory.
Ability to take a forward looking view using cash flow modelling and stressing testing.
Existing experience in coaching, mentoring and reviewing junior credit analysts work.
Strong understanding of complex loan/bond documentation and key credit protections. Good understanding of market risk and ISDAu2019s.
Languages desirable and ability to work across regions with locally based coverage teams



**Education / Qualifications:**


Degree level.
Other financial professional qualifications (e.g. CFA, ACCA, ACA etc.) will be seen as highly beneficial.



**Personal Requirements**


A proactive, motivated approach.
The ability to operate with urgency and prioritise work accordingly
Strong decision making skills, the ability to demonstrate sound judgement
A structured and logical approach to work
Strong problem solving skills
The ability to manage large workloads and tight deadlines
Excellent attention to detail and accuracy
Strong numerical skills



We are open to considering flexible working requests in line with organisational requirements.



MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.



We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.



At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!



**Our Culture Principles**


Client Centric
People Focused
Listen Up. Speak Up.
Innovate & Simplify
Own & Execute

**Do you want your voice heard and your actions to count?**
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.
Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
**Overview of the Department/Section**
+ The Credit Analysis team is the Bank's first line of defence, sitting alongside CIB bankers to promote an optimal risk / return on the banks' lending opportunities.
+ Credit Analysis is a 50+ team organised into 5 sector corporate teams. Each credit analyst is responsible for managing risk exposure across an EMEA wide portfolio.
+ Analysts work with Front Office teams on live transactions & risk monitoring to identify and mitigate risks associated with the structure, documentation, counterparty, industry and macroeconomics.
**Main Purpose of the Role**
+ We are looking for a senior credit analyst on a 12 month fixed term contract basis to cover a varied portfolio of largely non IG/private company/complex IG corporate credits across the Consumer and Retail space.
+ The credit analyst will perform forward looking fundamental credit calls on live transactions, limit renewals and annual reviews.
+ Along with client meetings the analyst completes a credit opinion including cash flow forecast, recommending approval, a neutral stance, or non-approval of the proposed transaction.
+ Updating financial analysis for quarterly and year end results. Actively monitoring assigned portfolio of IG and NIG corporates for potential changes in credit risk. Assign or update internal ratings.
+ Coach junior team members and assist team manager to review their papers.
+ Assist team manager in the management of the team workflow and other day to day operations/projects/initiatives.
**Key Responsibilities**
+ Lead complex client credit due diligence following key risk events or for on-boarding of new clients.
+ Quickly assess key credit issues, raise salient points to the correct stakeholders and to assess the risk- reward trade off.
+ Ability to multi-task and manage ever changing and often conflicting priorities; Ability to work with a high level of motivation and initiative;
+ Work diligently to develop technical skills and industry knowledge related to the role. Work towards becoming an expert in a sector and/or geography.
+ Ensure accurate and timely compliance with internal rules and reporting procedures.
+ Undertake specific country and industrial sector research as well as leading other team or departmental project work as appropriate.
+ As directed, support the development of junior staff members through coaching and review of work.
**Work Experience**
+ Extensive experience in fundamental credit analysis, preferably gained in a corporate or investment bank.
+ There should be an emphasis on credit analysis in the context of a transaction or event.
**Skills and Experience**
**Functional / Technical Competencies:**
+ Experience of covering Investment Grade, Non-Investment Grade and private company credits.
+ Preference for prior experience in the Consumer & Retail sectors across EMEA, albeit not mandatory.
+ Ability to take a forward looking view using cash flow modelling and stressing testing.
+ Existing experience in coaching, mentoring and reviewing junior credit analysts work.
+ Strong understanding of complex loan/bond documentation and key credit protections. Good understanding of market risk and ISDA's.
+ Languages desirable and ability to work across regions with locally based coverage teams
**Education / Qualifications:**
+ Degree level.
+ Other financial professional qualifications (e.g. CFA, ACCA, ACA etc.) will be seen as highly beneficial.
**Personal Requirements**
+ A proactive, motivated approach.
+ The ability to operate with urgency and prioritise work accordingly
+ Strong decision making skills, the ability to demonstrate sound judgement
+ A structured and logical approach to work
+ Strong problem solving skills
+ The ability to manage large workloads and tight deadlines
+ Excellent attention to detail and accuracy
+ Strong numerical skills
We are open to considering flexible working requests in line with organisational requirements.
MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.
We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.
At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!
**Our Culture Principles**
+ Client Centric
+ People Focused
+ Listen Up. Speak Up.
+ Innovate & Simplify
+ Own & Execute