BANKING
DATA RECRUITMENT

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CREDIT RISK MANAGER

£74,000- 120,000

LONDON

This is an opportunity to join one of the UK’s most successful and fast-growing fintech businesses as they continue to scale their credit card portfolio. You’ll play a key role in shaping credit strategy, using data-driven insights to influence business decisions and drive portfolio performance within a highly analytical and collaborative environment.

THE COMPANY

This fast-growing fintech business is transforming consumer lending through technology, data science, and machine learning. Operating at significant scale and backed by leading investors, they have built a strong reputation for delivering innovative financial products and exceptional customer experiences.
With continued growth across multiple product lines, they are investing heavily in their credit function and are looking for talented analytical professionals to help optimise lending decisions and influence strategic direction.

THE ROLE

• Develop and enhance credit strategies across a growing credit card portfolio
• Use Python and SQL to analyse customer behaviour, portfolio performance, and lending outcomes
• Generate data-driven insights to support acquisition, underwriting, pricing, and credit limit decisions
• Collaborate with data science, product, and engineering teams to implement new strategies and models
• Monitor portfolio performance and identify opportunities to improve risk and commercial outcomes
• Assess the impact of external economic factors on credit performance and lending strategy
• Take ownership of key initiatives and make a measurable impact on business growth from day one

YOUR SKILLS AND EXPERIENCE

• Strong commercial experience within credit risk, lending, or consumer finance
• Proven experience developing and implementing credit card strategies
• Strong coding capability with Python and SQL used in a commercial environment
• Experience analysing large datasets and translating findings into business recommendations
• Knowledge of portfolio management, underwriting, pricing, or credit risk optimisation
• Strong problem-solving skills with the ability to challenge assumptions and identify opportunities for improvement
• Experience working within a fast-paced analytical environment is beneficial

SALARY AND BENEFITS

• Competitive salary based on experience
• Performance-related bonus
• Equity participation scheme
• Private health insurance
• Hybrid working model with flexibility to work from home
• Complimentary lunches in the office
• Pension scheme
• Opportunity to join a high-growth fintech business and accelerate your career progression

HOW TO APPLY
Please register your interest by sending your CV to Rachael Lewis through the ‘Apply’ link.

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SENIOR CREDIT RISK STRATEGY ANALYST
£60,000-£75,000
LONDON

This is an opportunity to join one of the UK’s leading digital banking businesses, working within a highly regarded credit risk team that has built a reputation for developing some of the strongest talent in the consumer lending market. You’ll take ownership of credit strategy across a lending product, using analytics to drive both risk and commercial performance in a fast-growing environment.

THE COMPANY
This innovative financial services business has established itself as a major player within UK consumer lending, combining advanced analytics, modern technology, and customer-focused products. They offer a broad range of lending and banking products and continue to experience strong growth across their customer base and product portfolio. They are known for investing heavily in both technology and employee development, making it an excellent environment for career progression.

THE ROLE

• Take ownership of credit risk and commercial strategy for a specific lending product
• Analyse portfolio performance and identify opportunities to improve business outcomes
• Develop and optimise lending strategies using customer and portfolio data
• Use SQL and Python to deliver insights and support strategic decision-making
• Monitor credit performance and recommend data-driven policy changes
• Work closely with stakeholders across analytics, product, data science, and technology teams
• Contribute to the development and implementation of new credit strategies and decisioning frameworks
• Play a key role in balancing growth, profitability, and customer outcomes

YOUR SKILLS AND EXPERIENCE

• Strong commercial experience within credit risk strategy or credit risk analytics
• Experience working within consumer lending environments
• Advanced SQL skills
• Python experience is highly desirable
• Experience developing or managing credit risk strategies and lending policies
• Strong problem-solving skills with the ability to translate analysis into commercial recommendations
• Excellent communication and stakeholder management skills
• Experience working with large datasets and delivering actionable insights

SALARY AND BENEFITS

• £60,000- £75,000 base salary
• Annual bonus
• Hyrbid working model (2-3 days in the office)
• Modern Canary Wharf office location
• Strong career progression opportunities within a high-performing credit risk function
• Exposure to multiple lending products and sophisticated analytical tools
• Opportunity to learn from experienced leaders and industry experts

HOW TO APPLY

Please register your interest by sending your CV to Rachael Lewis through the ‘Apply’ link.

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SENIOR CREDIT RISK ANALYST

£55,000-£70,000

LONDON

This is an excellent opportunity for a Senior Credit Risk Analyst to join a high-growth fintech business where data-driven decision making sits at the heart of the organisation. You’ll have the autonomy to shape credit strategy, influence commercial outcomes, and work closely with senior stakeholders in a fast-paced environment that values innovation and ownership.

THE COMPANY

They are a successful and rapidly scaling consumer lending business that is transforming the way financial products are delivered. Using advanced analytics, technology, and automation, they have built a customer-focused proposition that challenges traditional approaches within the financial services sector.
With a strong track record of growth and profitability, they continue to invest heavily in data, machine learning, and analytics capabilities. Their collaborative culture encourages ownership, continuous improvement, and the freedom to challenge existing thinking.

THE ROLE

• As a Senior Credit Risk Analyst, you will play a key role in shaping credit card strategy and driving portfolio performance through data-led insights.
• Defining and optimising credit risk strategies across customer acquisition and portfolio management
• Using Python and SQL to analyse large datasets and uncover actionable insights
• Developing recommendations on credit decisioning, lending limits, pricing, and portfolio performance
• Monitoring the effectiveness of implemented strategies and identifying opportunities for continuous improvement
• Supporting forecasting activities and contributing to risk model performance assessment
• Partnering with cross-functional teams to implement strategies and deliver measurable business impact
• Evaluating external market conditions and economic trends to inform credit risk decisions

YOUR SKILLS AND EXPERIENCE

• Strong commercial experience in credit risk analytics within credit cards or consumer lending
• Advanced coding capability using SQL and ideally Python on a daily basis
• Experience developing and implementing credit risk strategies
• Strong analytical and problem-solving skills with the ability to translate data into business outcomes
• Experience working with large datasets and generating insights that influence decision making
• Confident communicating findings and recommendations to both technical and non-technical stakeholders
• A proactive mindset with a willingness to challenge assumptions and improve existing processes

SALARY AND BENEFITS

• £55,000- £70,000
• Performance-related bonus
• Equity participation scheme
• Private healthcare coverage
• Hybrid working model with flexibility to work remotely on selected days
• High-impact role with significant ownership and exposure to senior leadership
• Opportunity to work alongside highly skilled analytics, product, and technology teams
• Clear progression opportunities within a growing analytics and risk function

HOW TO APPLY

Please register your interest by sending your CV to Rachael Lewis through the ‘Apply’ link

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HEAD OF FRAUD
LONDON | £110,000 – £120,000 + EQUITY
This is an exciting opportunity to join a fast-growing consumer lending business as their first dedicated fraud leader. You’ll take ownership of fraud strategy across the organisation, helping to build a more advanced, data-driven fraud capability while leveraging AI and analytics to tackle increasingly complex fraud threats.

THE COMPANY
They are a scaling fintech operating within the consumer lending space, using technology and data to create a seamless digital customer experience. Following continued growth and recent investment, the business is entering an important phase of its journey with a strong focus on sustainable growth and operational excellence.
With a lean, high-performing culture and a collaborative environment, they are looking for an experienced fraud professional to take ownership of fraud strategy and help shape the future direction of the function.

THE ROLE
* Own fraud strategy across the customer lifecycle, with a particular focus on application and identity fraud
* Develop and optimise fraud rules, controls, and decisioning frameworks
* Build a sophisticated fraud analytics capability to identify emerging risks and opportunities
* Use data, machine learning, and AI-driven approaches to improve fraud detection and prevention
* Partner with Credit, Product, Engineering, and Operations teams to implement effective fraud controls
* Assess new technologies and contribute to the development of AI-enabled fraud solutions
* Deliver fraud insights, reporting, and recommendations to senior stakeholders
* Act as the fraud subject matter expert across the business in a highly visible individual contributor role
* Help define the long-term fraud roadmap within a growing lending organisation

YOUR SKILLS & EXPERIENCE
* Strong commercial experience within fraud analytics, fraud strategy, or financial crime analytics
* Experience within lending, fintech, payments, banking, or other regulated financial services environments
* Proven track record of using data to identify, investigate, and prevent fraud
* Advanced SQL skills and the ability to work hands-on with large datasets
* Python experience and exposure to statistical modelling, machine learning, or data science techniques
* Understanding of modern AI applications within fraud detection and decisioning
* Strong analytical and problem-solving skills
* Numerate academic background
* Excellent communication skills and the ability to influence stakeholders across the business

WHAT THEY OFFER
* £110,000 – £120,000 base salary
* Equity package
* Hybrid working model with three days per week in the London office
* Exposure to innovative AI and analytics initiatives
* High levels of autonomy and visibility with senior leadership
* Excellent career development opportunities as the business continues to grow

HOW TO APPLY
Please register your interest by sending your CV through the Apply link.

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Senior Credit Risk Manager
London | 110k
This is a rare opportunity to shape the future of consumer lending within a fast-growing financial services business. Backed by significant investment and reporting directly into senior leadership, you will take ownership of high-impact initiatives that redefine lending capabilities, unlock new revenue opportunities, and deliver measurable commercial value.

The Company
This established UK fintech operates within the consumer lending space and has a strong track record across credit risk management, lending performance, and customer outcomes. With a solid operational foundation already in place, the business is now investing heavily in innovation and strategic growth.
They are focused on developing new lending capabilities, customer propositions, and distribution opportunities that can create a genuine competitive advantage. The environment is entrepreneurial, data-driven, and highly collaborative.

The Role
As Head of Lending Innovation & Credit Strategy, you will lead the development and delivery of transformational lending initiatives from concept through to implementation and business impact.
Key responsibilities include:

• Identifying and owning high-value lending initiatives that drive growth and improve customer outcomes.
• Developing new customer segments, lending propositions, and distribution channels.
• Exploring opportunities across re-lending, cross-sell strategies, and customer lifecycle value.
• Designing innovative credit strategies and lending capabilities.
• Building commercial business cases, modelling opportunities, and assessing strategic trade-offs.
• Taking ownership of initiatives across strategy, pricing, credit design, go-to-market planning, delivery, and BAU transition.
• Collaborating with Credit Risk, Product, Finance, Commercial, and Operations teams to bring ideas to market.
• Influencing senior stakeholders and maintaining accountability for measurable outcomes.
• Driving experimentation, continuous improvement, and innovation across the lending proposition.
• This is a hands-on individual contributor role with significant autonomy and visibility. Success will come from your ability to build, influence, and execute rather than manage a large team.

Your Skills & Experience

• Strong experience within FinTech, consumer lending, credit risk, or a closely related environment.
• Deep understanding of lending products, credit strategy, and commercial decision-making.
• Advanced SQL skills are essential.
• Experience using Python for analysis, modelling, or strategy development is highly desirable.
• Proven ability to develop and deliver new propositions, products, or lending initiatives.
• Strong commercial acumen with the ability to evaluate risk, pricing, and growth opportunities.
• Comfortable operating in a fast-paced, entrepreneurial environment.
• Excellent stakeholder management and influencing skills.
• A proactive, innovative mindset with a track record of taking ownership and delivering measurable impact.

What They Offer

• Performance-related bonus.
• Comprehensive benefits package.
• Direct exposure to executive leadership and strategic decision-making.
• Opportunity to own and shape major lending initiatives from inception to launch.
• High levels of autonomy and visibility across the business.
• Clear opportunity to influence the future direction of a growing fintech organisation.

How to Apply
If you are a commercially minded lending or credit professional with strong SQL skills and a passion for building innovative lending solutions, please apply with your CV to discuss this opportunity in more detail.

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APPLIED DATA SCIENTIST, FRAUD PREVENTION

£55,000 – £65,000

LONDON (HYBRID)

This is an exciting opportunity to join a growing FinTech with an innovative approach to lending. You’ll play a key role in building and improving fraud prevention capabilities, working on high-impact machine learning projects that directly influence customer outcomes, risk strategy, and business performance.

THE COMPANY

Our client is a forward-thinking FinTech with a people-focused culture that prioritises teamwork and continuous development. Data is at the heart of their decision-making, and they are continuing to invest in advanced analytics to support growth and innovation. This role sits within a collaborative data science team where you will have the opportunity to make a tangible impact from day one.

THE ROLE

* Develop and deploy fraud detection, identity verification, and fraud scoring models

* Analyse large and complex datasets to identify fraud trends, risks, and opportunities

* Evaluate new data sources, machine learning techniques, and fraud prevention tools

* Build monitoring and reporting solutions to track model and fraud performance

* Collaborate with Product, Engineering, Risk, and Data teams to deliver business-critical initiatives

* Help shape the future direction of fraud analytics across the organisation

YOUR SKILLS AND EXPERIENCE

* Strong commercial experience in fraud analytics, fraud prevention, or financial crime

* Hands-on experience developing machine learning models using Python

* Strong SQL and data analysis capabilities

* Knowledge of statistical modelling and predictive analytics techniques

* Excellent communication skills with the ability to influence stakeholders

* Experience within fintech, lending, or financial services would be beneficial

SALARY AND BENEFITS

* £55,000 – £65,000 base salary depending on experience

* Annual bonus scheme

* Contributory pension

* Private healthcare

* Hybrid working model – 2 days in office

HOW TO APPLY

Please register your interest by sending your CV through the ‘Apply’ link.

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HEAD OF FRAUD
London, Hybrid | 110-120k
This is an opportunity to take ownership of fraud strategy within a fast-growing digital financial services business. You will combine fraud leadership with hands-on data science and AI, building intelligent fraud prevention capabilities that protect customers while supporting sustainable growth.

THE COMPANY
They are a technology-led financial services business focused on creating a simpler, more digital customer experience. With technology and data central to their approach, they are continuing to invest in intelligent decisioning and scalable risk capabilities. You will join at an important stage of growth, with significant scope to shape how fraud prevention develops across the organisation.

THE ROLE
As Head of Fraud, you will own the fraud strategy, combining strategic leadership with hands-on technical delivery. You will:

• Define fraud strategy across customer, document, third-party and asset-related risks.
• Build and deploy AI-driven fraud identification capabilities using multiple data sources.
• Develop fraud classifiers, anomaly detection, document intelligence and network analysis solutions.
• Use machine learning and AI to identify emerging threats, including synthetic identities and sophisticated application fraud.
• Own the production of fraud models, including testing, CI/CD, monitoring, governance and human oversight.
• Partner with Product, Engineering, Credit, Operations and Collections to embed effective fraud controls.
• Assess new fraud techniques and vulnerabilities, translating emerging threats into practical controls.
• Deliver fraud analytics and management information to demonstrate losses, prevention performance and overall risk exposure.
• Build relationships across the UK fraud and financial services community to strengthen intelligence sharing.

YOUR SKILLS & EXPERIENCE
You will have:

• Strong commercial experience in fraud prevention or financial crime within UK consumer lending or financial services.
• Hands-on experience building and deploying fraud or risk models into production.
• Advanced Python and SQL skills alongside strong machine learning knowledge.
• Practical experience working with LLMs, agentic AI or AI-driven decisioning, including evaluation, guardrails and governance.
• Strong understanding of Git, testing, CI/CD, cloud environments and model monitoring.
• The ability to balance fraud prevention with customer experience and commercial outcomes.
• Experience translating complex fraud and technical topics for both technical stakeholders and senior leadership.
• A strong understanding of the UK fraud landscape and emerging financial crime threats.

WHAT THEY OFFER

• Competitive salary and performance-based pay reviews.
• Hybrid working from London.
• 30 days’ annual leave plus bank holidays and an additional birthday day off.
• Flexible opportunities to work remotely from other locations during the year.
• Private healthcare.
• Employer-matched pension contributions.
• Cycle to Work scheme.
• Significant ownership and the opportunity to shape an AI-led fraud capability within a growing technology business.

HOW TO APPLY
If you are a hands-on fraud leader with strong data science, machine learning and AI experience, apply to find out more about this Head of Fraud opportunity.

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SENIOR RISK ANALYST

SALARY UP TO £57,000

HYBRID WORKING (3 DAYS A WEEK IN-OFFICE)

BIRMINGHAM

Harnham are working with a leading consumer lending business to recruit a Senior Risk Analyst into a high-profile credit risk function. This is an excellent opportunity to join a fast-paced environment where you’ll have direct exposure to strategy development, senior stakeholders, and a major new lending proposition.

THE COMPANY

A well-established consumer finance provider is investing heavily in innovation, digital lending, and customer growth. Operating with the agility of a FinTech while benefiting from the backing and resources of a larger financial services group, the business offers a collaborative culture where ideas are implemented quickly, and employees have the opportunity to make a tangible impact across key strategic initiatives.

THE ROLE

This Senior Risk Analyst position will focus primarily on acquisition strategy development while providing exposure across broader areas of the credit lifecycle. You’ll work with large datasets, develop and optimise lending strategies, and help shape risk decisions for both existing and new lending products.

Specifically, you can expect to be involved in:

• Developing and optimising acquisition and customer management credit risk strategies.
• Building and enhancing scorecards, affordability models, lending policies, pricing and limit strategies.
• Conducting portfolio analysis, monitoring performance trends and identifying opportunities for improvement.
• Working with internal, bureau and alternative data sources to support decision-making.
• Presenting recommendations and strategy changes to senior stakeholders and risk committees.

SKILLS AND EXPERIENCE

The successful Senior Risk Analyst must have the following skills and experience:

• Experience within a Credit Risk, Risk Analytics, Data Science or Risk Modelling environment.
• Strong analytical skills and experience working within consumer lending.
• Proficiency in SQL, SAS or Python.
• Experience using data to develop, evaluate or optimise lending strategies.
• Strong stakeholder management and presentation skills.
• Degree in a quantitative discipline such as Mathematics, Statistics, Economics, Computer Science or a related field.

BENEFITS

The successful Senior Risk Analyst will receive a salary up to £57,000.

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SENIOR ANALYST

SALARY UP TO £75,000 + BONUS

HYBRID WORKING (3 DAYS A WEEK IN-OFFICE)

LONDON

Harnham are working with a growing UK consumer lending business to recruit a Senior Analyst within their Credit Risk and Commercial Strategy function. This is an excellent opportunity to join a high-performing analytics team and play a key role in driving business growth, portfolio performance, and customer outcomes.

THE COMPANY

A well-established FinTech lender is continuing its growth journey following a period of strong business performance and investment. The organisation has built a reputation for delivering innovative consumer lending products and has recently launched new digital capabilities to support its expanding customer base. With a collaborative culture and ambitious growth plans, it offers employees exposure to a wide range of strategic initiatives and significant opportunities for career development.

THE ROLE

This role sits within a commercially focused analytics function and offers the opportunity to influence both lending strategy and business growth. You will use data-driven insights to optimise portfolio performance, support new product initiatives, and help shape the future direction of the lending business.

Specifically, you can expect to be involved in:

• Developing and optimising acquisition and existing customer lending strategies.
• Analysing portfolio performance, customer behaviour, affordability and credit risk metrics.
• Supporting pricing, product and profitability analysis across lending products.
• Leading strategic growth projects and identifying opportunities to improve commercial performance.
• Using data and analytics to enhance decision-making and support new product development.

SKILLS AND EXPERIENCE

The successful Senior Analyst must have the following skills and experience:

• Experience within consumer lending, credit risk, pricing, commercial strategy or portfolio analytics.
• Strong understanding of lending portfolios and customer strategy development.
• Advanced SQL skills and experience working with large datasets.
• Python or other coding experience would be beneficial.
• Strong analytical and problem-solving capabilities with the ability to communicate insights effectively.
• Numerate degree in a quantitative discipline such as Mathematics, Statistics, Economics, Engineering or a related subject.

BENEFITS

The successful Senior Analyst will receive a salary up to £75,000 as well as an annual bonus.

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Senior Risk Analyst

West Midlands | £45,000 to £57,000

An opportunity for a Senior Risk Analyst to join a technically focused credit risk team, using data, coding and analytics to shape lending strategies. This role offers more technical exposure than a traditional banking risk position and would suit someone keen to explore how AI and emerging analytical tools can improve the way they work.

The Company

They are an established financial services organisation with a strong focus on data-led credit risk management. Their risk function combines commercial decision-making with hands-on analytics and coding. You will work across consumer lending portfolios in an environment that encourages new ideas, technical development and continuous improvement.

The Role

• Develop and optimise acquisition and customer management credit risk strategies.
• Analyse portfolio performance and identify emerging trends and risks.
• Use SAS, SQL or Python to interrogate data and deliver analytical insights.
• Support scorecards, policy rules, pricing, affordability and limit strategies.
• Present recommendations and insights to senior stakeholders.
• Support and develop junior analysts.

Your Skills & Experience

• Strong experience within consumer credit risk analytics.
• Coding experience using SAS, SQL or Python.
• Strong analytical and statistical skills.
• Knowledge of the credit lifecycle and consumer lending products.
• Experience with modelling, forecasting, pricing or affordability is beneficial.
• Enthusiasm for AI tools, automation and new ways of enhancing analytical work.

What They Offer

£45,000 to £57,000 salary.

Hybrid working, 3 days per week.

A more technical environment than a typical banking risk role.

Exposure to senior stakeholders and strategic credit decisions.

Opportunities to develop your technical and leadership skills.

How to Apply

Apply by clicking the link below.

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SENIOR CREDIT RISK MANAGER
LONDON | UP TO £110,000
This is a unique opportunity to join a growing FinTech lender in a highly strategic credit role. You will take ownership of innovative lending and pricing initiatives, helping to shape the future direction of the business while driving sustainable growth and improving portfolio performance.

THE COMPANY
They are an established FinTech operating within the unsecured consumer lending market. The business is entering an exciting growth phase and is investing heavily in the evolution of its credit capabilities.

With strong foundations already in place across credit operations and risk management, they are focused on developing new lending strategies, enhancing pricing sophistication, and creating long-term competitive advantages through innovation.

THE ROLE
* Lead strategic credit risk and lending initiatives from concept through to implementation and measurable business impact
* Develop innovative credit and pricing strategies to support growth while maintaining strong portfolio performance
* Identify new customer segments, lending propositions, and acquisition opportunities
* Evaluate commercial opportunities across customer lifecycle management, re-lending, and portfolio expansion
* Build business cases and assess the commercial viability of new initiatives
* Partner closely with Credit Risk, Commercial, Product, Finance, and Operations teams to drive delivery
* Support the development of advanced and more personalised lending and pricing capabilities
* Take ownership of projects through implementation and successful transition into business-as-usual processes

YOUR SKILLS & EXPERIENCE
* Strong commercial experience within consumer lending, credit risk, credit strategy, or pricing strategy
* Experience working within FinTech or an entrepreneurial lending environment is essential
* Proven ability to deliver strategic credit initiatives that balance growth and risk objectives
* Advanced SQL skills
* Python experience or a willingness to further develop Python capabilities
* Strong commercial and stakeholder management skills
* Comfortable operating as a hands-on individual contributor with a high level of ownership
* Ability to challenge existing approaches and bring innovative ideas to complex business problems

WHAT THEY OFFER
* Salary up to £110,000
* Hybrid working model with 3-4 days per week in the London office
* Significant ownership and visibility across senior leadership
* Opportunity to shape credit strategy, pricing strategy, and new lending capabilities
* Exposure to high-impact transformation and innovation projects
* Clear progression opportunities within a growing FinTech business
* Collaborative environment that encourages experimentation, innovation, and commercial thinking

HOW TO APPLY
Please register your interest by sending your CV through the Apply link.

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SENIOR CREDIT RISK ANALYST
BIRMINGHAM | UP TO £57,000 + BONUS + BENEFITS
This is an exciting opportunity to join a fast-growing consumer finance business in a highly visible credit risk role. You will play a key part in shaping credit strategy for a major new lending proposition, working with large-scale datasets and helping drive commercial growth while maintaining strong risk performance.

THE COMPANY
They are a well-established consumer finance lender operating in a fast-paced, technology-driven environment. Combining the agility of a FinTech with the stability and resources of a larger financial services group, they continue to invest heavily in their credit analytics and decisioning capabilities.
The business is launching a significant new lending partnership, creating a unique opportunity to influence strategy from an early stage and work with a wide range of internal, external, and alternative data sources.

THE ROLE
* Develop and optimise acquisition and customer management credit strategies
* Design and implement policy rules, credit limits, pricing strategies, and affordability frameworks
* Utilise bureau, internal, and alternative data sources to drive lending decisions
* Monitor portfolio performance and identify opportunities to enhance strategy effectiveness
* Present recommendations and strategy changes to senior stakeholders and governance forums
* Support onboarding strategy development for new lending propositions
* Balance commercial growth objectives with regulatory and consumer duty requirements
* Assess the impact of economic and market trends on portfolio performance

YOUR SKILLS & EXPERIENCE
* Strong experience within consumer lending credit risk, credit strategy, or risk analytics
* Experience developing acquisition, underwriting, or customer management strategies
* Knowledge of credit policy rules, scorecards, pricing, limits, or affordability modelling
* Strong SQL, SAS, or Python skills
* Ability to work with large datasets and translate analysis into commercial recommendations
* Excellent stakeholder management and communication skills
* Understanding of credit bureau data and the wider credit lifecycle
* Experience within unsecured lending, retail finance, consumer finance, loans, or cards is advantageous

WHAT THEY OFFER
* Salary up to £57,000 depending on experience
* Annual bonus scheme
* Competitive benefits package
* Hybrid working arrangement
* Opportunity to work on a high-profile new lending proposition
* Exposure to senior stakeholders and risk committees
* Fast-paced environment where new ideas can quickly translate into strategy changes
* Strong learning and development opportunities within a collaborative team
* Clear progression pathways within a growing risk function

HOW TO APPLY
Please register your interest by sending your CV through the Apply link.

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