Senior Credit Risk Analyst

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/ £70000 - £80000 annum

INFO

Salary
SALARY:

£70000 - £80000

Location

LOCATION

Job Type
JOB TYPE

Permanent

Senior Credit Risk Analyst

£70,000-£80,000 + equity

UK-based / Fully remote (occasional optional co‑working meetups)

Harnham are working with a high‑growth fintech scale-up that provides risk analytics and decisioning, helping their customers reduce exposure, unlock growth and scale into new markets.

THE COMPANY

  • A high‑growth fintech scale-up building advanced analytics and decisioning solutions for the wider payments and financial services ecosystem.
  • The business combines data science, automation and modern engineering to help clients improve risk visibility, streamline onboarding processes and enhance operational efficiency.
  • With strong investment backing and a globally distributed team, they are continuing to expand their product suite and strengthen their UK analytics capability.

THE ROLE

You will join a growing analytics and risk team, working on a blend of credit risk, fraud analytics and machine learning projects that sit at the heart of the company's product offering. This is a hands-on role with impact on strategy, pricing, on-boarding and merchant monitoring.

Specifically, you can expect to be involved in:
  • Developing analytical solutions to optimise credit risk, fraud strategies, pricing and limits.
  • Building and improving machine learning models across risk and decisioning use cases.
  • Analysing large merchant datasets to support portfolio monitoring and partner reporting.
  • Working with commercial and technical teams to shape decisioning engines and new product capabilities.
  • Supporting bespoke partner engagements, including risk assessments and insight generation

YOUR SKILLS AND EXPERIENCE

  • Experience in credit risk and/or fraud analytics within financial services or fintech.
  • Strong capability in Python and/or SQL for analytics and model development.
  • Background in data-driven strategy, modelling or decisioning (circa 2-3+ years' experience).
  • Comfortable working in a fast-paced, product-focused environment.
  • Ability to communicate insights clearly to technical and non-technical stakeholders.

THE BENEFITS

  • Fully remote working.
  • Private medical cover (including family cover).
  • Regular global company meetups.
  • Pension scheme and strong long-term business stability.

THE PROCESS

  • Initial 30-minute introduction and CV walk through.
  • Technical case study (SQL and problem-solving).
  • Interviews with senior stakeholders.
  • Final HR stage.

HOW TO APPLY

Please register your interest via the apply link on this page.






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