INDUSTRY
OVERVIEW
Data and Analytics roles play a pivotal and indispensable role in the Banking, Financial Services, and Insurance industry, delivering invaluable insights that inform strategic decision-making, foster innovation, and enable businesses to maintain a competitive edge. According to our BFSI Data Recruitment experts, the long-term significance of Data and Analytics jobs in the BFSI sector is evident in their ability. Driving strategic initiatives, managing risks effectively, and enhancing customer experiences.
In the UK, US, and EU, Data and Analytics jobs in the BFSI sector are subject to unique nuances and differences. That's where our BFSI Data Recruitment specialists come in. According to them, the UK's financial services sector places a strong emphasis on regulatory compliance, Risk management, and data privacy due to the influential role of regulatory bodies such as the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). Data and Analytics professionals in the UK BFSI sector may be involved in managing complex regulatory requirements, including Anti-Money Laundering (AML) regulations.
In the US, Data and Analytics jobs in the BFSI sector are influenced by various factors such as the size and diversity of the financial market, the regulatory landscape governed by organisations such as the Securities and Exchange Commission (SEC) and must pass the Financial Industry Regulatory Authority (FINRA) exams. The US undoubtedly has a big focus on consumer protection. Data Scientists and Analysts in the US BFSI sector may also work on areas such as Risk modelling, Fraud detection, and customer segmentation. In the US job market, certification is frequently used as a pathway to career progression and success. One such example is the highly regarded Chartered Financial Analyst (CFA) certification offered by the esteemed CFA Institute. By obtaining this certification, individuals may increase their likelihood of professional advancement and garner greater opportunities for achievement.
In the EU, Data and Analytics jobs in the BFSI sector are shaped by regulatory frameworks like the General Data Protection Regulation (GDPR) and the European Central Bank's (ECB) guidelines on risk management. The focal points are data privacy, risk assessment, and regulatory compliance. Data and Analytics professionals in the EU BFSI sector may be involved in areas such as stress testing, credit risk assessment, and compliance reporting.
Across all regions, the significance of Data and Analytics jobs in the BFSI sector lies in their ability to drive data-driven decision-making, enhance Risk management practices, optimise customer experiences, and foster innovation through Advanced Analytics techniques such as Machine Learning and Artificial Intelligence. Companies that invest in highly skilled Data and Analytics professionals are likely to gain a competitive advantage in the ever-evolving BFSI landscape. To take your first steps toward finding the perfect candidate, contact us today. Our BFSI Data Recruitment experts will be happy to speak with you!
INDUSTRY CANDIDATES
- Â
-
- Technical skills: BFSI employers often seek candidates with proficiency in data analysis tools and programming languages such as Python, R, SQL, and data visualisation tools like Tableau or Power BI. Familiarity with statistical techniques, data modelling, and machine learning algorithms is also highly valued.
-
- Domain knowledge: Employers in the BFSI sector typically look for candidates who have a deep understanding of the industry, including financial products, services, regulations, and market trends. Knowledge of specific areas such as risk management, fraud detection, or compliance is often sought after.
-
- Analytical mindset: Employers value candidates who have strong analytical skills, including the ability to analyse complex data sets, identify patterns, and derive meaningful insights. Problem-solving skills and attention to detail are also highly regarded.
-
- Business acumen: BFSI employers often seek candidates who can translate data insights into actionable business recommendations. Understanding how Data and Analytics can drive business outcomes, improve customer experiences, and generate value is crucial.
-
- Communication skills: Effective communication skills, both verbal and written, are highly valued in BFSI Data and Analytics roles. Candidates who can communicate complex data findings and insights in a clear and concise manner to non-technical stakeholders are often preferred.
-
- Adaptability and continuous learning: Given the rapidly evolving landscape of Data and Analytics, BFSI employers look for candidates who are adaptable to change and willing to continuously learn and upgrade their skills. Keeping up with the latest trends, technologies, and industry developments is seen as a valuable trait.
- Ethics and integrity: Data privacy and security are critical in the BFSI sector. Employers seek candidates who demonstrate high ethical standards, integrity, and compliance with regulatory requirements when handling sensitive data. To discover more about what will make the perfect candidate for your business, contact us now. Our BFSI Data Recruitment experts would love to hear from you.
DATA SCIENCE OVERVIEW
Data Science plays a critical role in the banking, financial services, and insurance sector by helping organisations make data-driven decisions, manage risks, and improve customer experience. With the vast amount of data generated by BFSI organisations, Data Science has become an essential tool to analyse and interpret this data to gain insights and drive growth.
In the BFSI sector, Data Science is used for a variety of purposes, including fraud detection, credit risk analysis, customer segmentation, and product development. Data Scientists in the sector use statistical analysis, Machine Learning, and data modelling techniques to develop predictive models that help organisations make informed decisions.
One of the key benefits of Data Science in the BFSI sector is improved risk management. Data Scientists can use historical data and predictive modelling techniques to identify potential risks and mitigate them before they become a problem. This helps organisations minimise losses and maintain financial stability.
Another benefit of Data Science in the BFSI sector is improved customer experience. By analysing customer data, organisations can understand their preferences and behaviour, and use this information to offer personalised products and services that meet their needs.
Data Science is imperative in the BFSI sector. By helping organisations make informed decisions, manage risks, and improve customer experience. As the industry continues to generate vast amounts of data, the demand for Data Scientists in the BFSI sector is likely to continue to grow, making it a promising career path for those interested in Data Science and Analytics. If you're still in need of the perfect candidate for your BFSI business, contact us today. Our BFSI Data Recruitment specialists are here to help!
BUSINESS INTELLIGENCE OVERVIEW
Business Intelligence (BI) jobs are in high demand in the Banking, Financial Services, and Insurance (BFSI) sector. BI professionals are responsible for gathering, analysing, and visualising large amounts of data to provide insights that help BFSI organisations make informed decisions.
The BFSI sector relies heavily on data to manage risks, improve customer experiences, and comply with regulations. As a result, BI professionals play a critical role in helping BFSI organisations stay competitive in today's fast-paced business environment.
BI jobs in the BFSI sector require a strong understanding of financial data, regulatory compliance, and business operations. The ideal candidate should have expertise in data modelling, Analytics, and visualisation tools. Additionally, they should possess strong communication and problem-solving skills to work effectively with cross-functional teams.
BI jobs in the BFSI sector are a key component of a successful and thriving organisation. They play a critical role in helping BFSI organisations gain insights into their operations, improve customer experiences, and make data-driven decisions. If you need more information on recruiting for BI, contact us today. Speak to our BFSI Data Recruitment specialists, they are here to help!
DATA MANAGEMENTÂ
Data Management jobs in the Banking, Financial Services, and Insurance (BFSI) sector are like the unsung heroes behind the scenes, working tirelessly to keep the wheels of the industry turning smoothly. With the sheer magnitude of data that BFSI organisations deal with on a daily basis, managing this vast ocean of information is no small feat. It requires a unique blend of skills and expertise to navigate through the complexities and ensure that data is organised, stored, protected, and maintained with the utmost integrity.
In the fast-paced, data-driven world of BFSI, where decisions are made in the blink of an eye and risks lurk around every corner, Data Management professionals are the gatekeepers of reliable and accurate data. They are the ones who ensure that data flows seamlessly across the organisation, providing the foundation upon which strategic decisions are made, risks are mitigated, and regulations are adhered to.
But what does it take to be a Data Management pro in the BFSI sector? It's not just about being tech-savvy and having a basic understanding of data. It goes much deeper than that. These professionals need to have an in-depth understanding of the nuances of financial data, regulatory compliance, and the intricacies of business operations. They need to be the maestros of data governance, data quality, and data integration, orchestrating a symphony of data that harmoniously supports the organisation's goals and objectives.
However, it's not just about crunching numbers and analysing data. Effective communication and problem-solving skills are equally important for Data Management professionals in the BFSI sector. They need to be able to effectively collaborate with cross-functional teams, navigating through the maze of stakeholders, departments, and systems to ensure that data is managed in a way that adds value to the organisation. For more expert hiring advice, speak to our BFSI Data Recruitment consultants today!
RISK ANALYTICS
In the dynamic world of Banking, Financial Services, and Insurance (BFSI), Risk Analytics,jobs are indispensable. These roles involve delving into vast amounts of data to uncover potential risks and opportunities, providing valuable insights that empower organisations to make informed decisions in the face of uncertainty.
BFSI organisations operate in a constantly evolving environment, where a multitude of risks lurk. This is where Risk Analytics professionals step in, playing a pivotal role in proactive risk management, loss mitigation, and profit maximisation.
Deep expertise in financial data, statistical analysis, and business operations is a must for Risk Analytics jobs in the BFSI sector. The ideal candidate is well-versed in risk modelling, scenario analysis, and stress testing, and possesses exceptional communication and problem-solving skills to collaborate effectively with cross-functional teams.
Being part of the Risk Analytics team in the BFSI sector means being an integral part of organisational success. You will help identify potential risks and opportunities, guide decision-making, and keep organisations competitive in today's ever-changing business landscape. Expect the unexpected, analyse the complexities, and unlock insights that drive strategic outcomes. Don't navigate Risk Analytics Recruitment alone. Contact our BFSI Data Recruitment experts today!
CUSTOMER ANALYTICS
Customer Analytics roles within the dynamic realm of the Banking, Financial Services, and Insurance (BFSI) sector are nothing short of paramount. These professionals are tasked with delving into the labyrinthine depths of customer data to unravel the enigmatic patterns of customer behaviour, preferences, and needs. Armed with these invaluable insights, organisations can fashion bespoke products and services that cater to the idiosyncratic demands of their discerning clientele.
In the cutthroat landscape of the BFSI sector, where competition is rife and innovation is imperative, comprehending customer behaviour and preferences takes centre stage. Thus, Customer Analytics roles emerge as pivotal pillars, empowering organisations to gain a strategic edge, enhance customer satisfaction, and propel growth to unprecedented heights.
Flourishing in the realm of Customer Analytics within the BFSI sector calls for an astute grasp of customer data, proficiency in statistical analysis, and a profound understanding of business operations. The ideal candidate is a virtuoso in customer segmentation, adept in predictive modelling, and a maestro in data visualisation. Furthermore, exceptional communication and problem-solving skills are essential to collaborate effectively with multifaceted, cross-functional teams.
Embarking on a career in Customer Analytics for the BFSI sector bestows upon you an indomitable sense of purpose as you become a linchpin of success for BFSI organisations. Your prowess in unearthing customer behaviour, preferences, and needs will serve as the catalyst for crafting tailor-made products and services that cater to the distinctive requirements of your esteemed customers. To find out more, contact our BFSI Data Recruitment experts now!
JOBS
LATEST Banking
DATA JOBS
Head of Fraud
London
£110000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
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.
To Apply for this Job Click Here
Senior Risk Analyst
Birmingham
£55000 - £57000
+ Risk Analytics
PermanentBirmingham, West Midlands
To Apply for this Job Click Here
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.
To Apply for this Job Click Here
Senior Analyst
London
£65000 - £75000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
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.
To Apply for this Job Click Here
Senior Risk Analyst
Birmingham
£45000 - £57000
+ Risk Analytics
PermanentBirmingham, West Midlands
To Apply for this Job Click Here
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.
To Apply for this Job Click Here
Senior Credit Risk Manager
London
£110000 - £110000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
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.
To Apply for this Job Click Here
Senior Credit Risk Analyst
£57000 - £57000
+ Risk Analytics
PermanentWest Midlands
To Apply for this Job Click Here
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.
To Apply for this Job Click Here
Senior Credit Risk Manager
London
£110000 - £110000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR CREDIT RISK MANAGER
London | 110k
This is an opportunity for a commercially minded credit professional to take ownership of high-impact lending innovation within an established FinTech environment. You will have the autonomy to develop new ideas, build the commercial case and take initiatives from concept through to measurable impact.
THE COMPANY
They are an established UK FinTech operating within the consumer lending space. With a strong existing credit operation and significant investment behind their innovation agenda, they are looking to build new capabilities that enhance both customer and commercial outcomes.
You will join an environment that values experimentation, ownership and evidence-led decision-making.
THE ROLE
As Senior Credit Risk Manager, you will focus on transformational credit and lending initiatives rather than day-to-day portfolio management.
You will:
- Identify and own new lending initiatives that deliver meaningful customer and commercial value.
- Develop new customer segments, distribution channels and lending propositions.
- Explore opportunities across areas such as cross-sell, re-lending and existing customer value.
- Build new credit strategies and capabilities.
- Own initiatives from initial concept through strategy, pricing, credit approach, launch and handover.
- Use data to build value cases and assess commercial opportunities.
- Make informed decisions across credit risk, pricing and distribution.
- Partner with Credit Risk, Product, Commercial, Finance and Operations to deliver initiatives successfully.
- Remain accountable for performance and measurable impact after launch.
YOUR SKILLS & EXPERIENCE
- Strong commercial experience within FinTech, ideally consumer lending, credit or a closely related environment.
- Strong credit risk knowledge combined with the ability to think beyond traditional credit management.
- Strong SQL skills are essential.
- Python experience is beneficial.
- Experience developing and delivering new credit, lending or commercial initiatives.
- Ability to translate data and analysis into commercial decisions.
- Confidence working independently and taking end-to-end ownership.
- Strong stakeholder management skills with the ability to influence and coach cross-functional colleagues.
- A practical approach to experimentation, iteration and problem-solving.
WHAT THEY OFFER
- Competitive salary dependent on experience.
- Significant autonomy and ownership over high-impact lending initiatives.
- Exposure to senior leadership and cross-functional decision-making.
- The opportunity to influence the future direction of credit and lending strategy.
- Scope to develop new capabilities from initial idea through to proven commercial impact.
HOW TO APPLY
If you are a hands-on credit or lending professional, apply today through Harnham.
To Apply for this Job Click Here
Senior Credit Risk Analyst
London
£75000 - £75000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR CREDIT RISK ANALYST
LONDON | UP TO £75,000 + 10% BONUS + 7% MATCHED PENSION
This is an exciting opportunity to join a growing consumer lender that combines the pace and innovation of a fintech with an established lending business. Having recently strengthened their analytics leadership team, they are investing heavily in their credit capability and expanding their lending operation.
THE COMPANY
They are a consumer lending business with a strong focus on using technology and data to improve customer outcomes. Following a period of significant growth, they continue to invest across their products and analytics functions. They are also embracing AI across the organisation, encouraging analysts to leverage emerging tools to enhance insight generation, improve efficiency, and support smarter business decisions.
THE ROLE
- Support the development and optimisation of lending strategies across the loans portfolio, with some exposure to cards
- Own affordability analysis and contribute to income verification and customer assessment strategies
- Recommend changes to credit policies, cut-offs, and decisioning strategies
- Monitor portfolio performance and identify opportunities to improve risk and commercial outcomes
- Use data and AI-driven tools to generate insights and support decision-making
YOUR SKILLS & EXPERIENCE
- Strong experience within consumer lending credit risk, ideally across personal loans, credit cards, or other retail lending products
- Experience developing and implementing credit strategies across acquisitions, customer management, or underwriting
- Strong understanding of affordability assessments, income verification, and lending decisioning processes
- Strong SQL or comparable coding skills, with the ability to extract and analyse large datasets
- Interest in applying AI tools to analytical workflows
- Degree in a numerate discipline is advantageous
WHAT THEY OFFER
- Salary up to £75,000
- Annual bonus averaging 10%
- 7% matched pension contribution
- Hybrid working with three days per week in the London office
- Exposure to a growing and evolving lending business
- Strong learning and development opportunities within an expanding analytics team
HOW TO APPLY
Please submit your CV through the Apply link to register your interest.
To Apply for this Job Click Here
Principal Analytics Consultant
London
£90000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
PRINCIPAL CONSULTANT, CREDIT RISK & ANALYTICS
LONDON | £90,000 – £120,000 + BONUS + BENEFITS
This is an exciting opportunity to join a specialist financial services consultancy in a senior leadership role. You’ll lead high-profile credit risk and analytics engagements and play a key role in growing both the team and the wider practice.
THE COMPANY
They are an established consultancy specialising in risk, analytics, and data-driven decision making across financial services. Working with a broad range of lending and financial services clients, they deliver high-impact projects spanning risk modelling, portfolio analytics, forecasting, and business strategy.
THE ROLE
* Gain exposure with key stakeholders while also retaining ownership of project delivery
* Manage projects end to end across credit risk modelling, forecasting, portfolio analytics, and strategy development
* Opportunity to contribute to overall business management
* Mentor and develop consultants and analysts across the team
* Contribute to the growth and strategic direction of the wider business
YOUR SKILLS & EXPERIENCE
* Strong commercial experience within credit risk analytics, consumer lending, or SME lending
* Deep expertise in credit risk modelling, customer analytics, forecasting, portfolio analysis, or risk strategy
* Proven experience managing analytical projects and leading teams
* Strong technical skills in SQL, SAS, or Python
– Excellent communication skills with the ability to translate analytical insights into commercial recommendations
* Previous consulting experience is beneficial but not essential
WHAT THEY OFFER
* £90,000 – £120,000 base salary depending on experience
* Annual bonus scheme
* Contributory pension
* Hybrid working model
* Exposure to a diverse range of high-impact client projects
* Clear progression opportunities within a growing consultancy
* Collaborative and supportive culture with a strong focus on professional development
HOW TO APPLY
Please register your interest by sending your CV through the Apply link.
To Apply for this Job Click Here
Head of Marketing Analytics
London
£115000 - £150000
+ Advanced Analytics & Marketing Insights
PermanentLondon
To Apply for this Job Click Here
Head of Marketing Analytics
London (Hybrid, 2-3 days per week) | Up to £150,000 + Bonus
A fantastic opportunity for a senior analytics leader with deep expertise in app attribution and conversion measurement. You’ll play a key role in shaping marketing strategy, optimising acquisition performance, and building best-in-class app measurement capabilities within a leading fintech.
The Company
This growing fintech has built a strong reputation for delivering innovative digital products and exceptional customer experiences. Data sits at the heart of decision-making, and the business is investing heavily in its analytics capabilities to drive future growth. You’ll join a high-impact team with strong visibility across the organisation.
The Role
- Lead Marketing Analytics across acquisition, CRM, and growth
- Own app attribution and app conversion measurement strategy
- Develop and enhance web-to-app measurement frameworks
- Partner with senior stakeholders to optimise marketing investment
- Lead and develop a high-performing analytics team
Your Skills & Experience
- Strong experience in Marketing or Growth Analytics
- Deep expertise in app attribution and app conversion measurement
- Proven experience measuring web-to-app customer journeys
- Strong understanding of mobile acquisition and performance marketing
- Experience leading analytics teams and influencing senior stakeholders
What They Offer
- Up to £150,000 base salary
- Annual bonus
- Hybrid working, 2-3 days per week in the London office
- Opportunity to shape a critical analytics capability within a leading fintech
- Strong progression and business visibility
How to Apply
Apply now to learn more about this Head of Marketing Analytics opportunity.
To Apply for this Job Click Here
Lead Risk Reporting Analyst
London
£55000 - £75000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
LEAD RISK REPORTING ANALYST
SALARY UP TO £75,000 + BONUS
HYBRID WORKING 50/50 TIME IN-OFFICE
LONDON
Harnham are working with a well-established financial services organisation to find a Lead Risk Reporting Analyst to join their growing risk function. This is an excellent opportunity for a reporting professional with credit risk experience to take ownership of key reporting processes while helping to drive the team’s transition towards more modern data and visualisation tools.
THE COMPANY
This is a well-respected financial services business that is continuing to invest in its risk and analytics capabilities. The organisation is focused on modernising its reporting landscape, with a strong emphasis on data visualisation, automation and improving reporting processes. This role offers the chance to influence that transformation while developing into a future leadership position.
THE ROLE
This is a hands-on role sitting within a risk reporting team, where you will lead the delivery of risk reporting and help shape the team’s future direction. You will work closely with analysts, provide guidance and support, and contribute to the ongoing enhancement of reporting processes and technology.
Specifically, you can expect to be involved in:
- Delivering regular risk reporting and analysis to stakeholders
- Developing and enhancing reporting processes and visualisations
- Supporting the migration towards more modern reporting and analytical tools
- Mentoring and guiding junior analysts within the team
- Working with large datasets to generate business insights and reporting outputs
SKILLS AND EXPERIENCE
The successful Lead Risk Reporting Analyst must have the following skills and experience:
- Experience within credit risk analytics or reporting
- Strong reporting experience within a financial services environment
- Demonstrable Power BI experience, including dashboard development and visualisation
- Strong SQL skills for data extraction and analysis
- Around 4-5 years of relevant analytics, reporting or risk experience
- Knowledge of IFRS 9 is beneficial
- Python and/or SAS experience would be advantageous
- Ambition to develop professionally and take on increasing levels of responsibility
BENEFITS
The successful Lead Risk Reporting Analyst will receive a salary up to £75,000 as well as an annual bonus.
To Apply for this Job Click Here
Data Scientist – Fraud
London
£55000 - £65000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
DATA SCIENTIST – FRAUD
SALARY UP TO £65,000 + EQUITY
HYBRID WORKING (TWICE A WEEK IN-OFFICE)
LONDON
Harnham are working with a fast-growing financial services organisation looking to hire an Applied Data Scientist to support and enhance its fraud prevention capabilities. This is an exciting opportunity for a data science professional who enjoys combining machine learning, analytics and business insight to tackle complex fraud challenges
THE COMPANY
This organisation is a forward-thinking financial services business that places data and technology at the centre of its decision-making. With a strong focus on innovation, the company is investing heavily in fraud prevention, advanced analytics and machine learning to enhance customer protection and drive better business outcomes. Working within a collaborative and highly analytical environment, you’ll have the opportunity to partner with teams across data, technology, risk and product to solve complex challenges and deliver meaningful impact.
THE ROLE
This is a mid-level Data Scientist position focused on fraud detection and mitigation. You will work across the full data science lifecycle, helping to develop fraud prevention strategies, build machine learning models and generate actionable insights using both internal and external datasets.
Specifically, you can expect to be involved in:
- Collecting, processing and analysing large, complex datasets to identify fraud trends, risks and opportunities.
- Designing, developing and maintaining fraud detection, identity resolution and predictive machine learning models.
- Evaluating new data sources and technology solutions through analysis, testing and proof-of concept initiatives.
- Monitoring model performance, producing reporting and visualising key insights for stakeholders.
- Collaborating with cross-functional teams on fraud, compliance and customer verification initiatives.
SKILLS AND EXPERIENCE
The successful Data Scientist will have the following skills and experience:
- Experience within fraud analytics, fraud prevention or a related risk-focused data science environment.
- Strong machine learning and statistical modelling skills, with hands-on Python experience (including common data science libraries).
- Proficiency in SQL and experience working with multiple structured and external data sources.
- Experience deploying analytical or machine learning solutions into production environments.
- Excellent communication skills with the ability to present findings to technical and non-technical stakeholders
BENEFITS
The successful Data Scientist will receive a salary up to £65,000 as well as equity.
To Apply for this Job Click Here
Industry Hub
HARNHAM
News & Blog
With over 10 years experience working solely in the Data & Analytics sector our consultants are able to offer detailed insights into the industry.
Visit our Blogs & News portal or check out our recent posts below.
How Fraud Analytics Can Keep Your Money Safe
How Fraud Analytics Can Keep Your Money Safe We’ve previously written about how data analytics can help…
Resume Tips for Professionals in Risk Analytics
Resume Tips for Professionals in Risk Analytics There are a number of online guides about how to…
As Incidents Of Cybercrime Increase, How Can A Fraud Analyst Give Your Business Peace Of Mind?
Whilst it’s true that cybercriminals are becoming more creative and sophisticated, as are analytical techniques and the experts that wield them. Fraud Analysts…
What Skills And Attributes Do You Need To Become A Risk Analyst?
No business is risk-free and as we traverse a highly technical and ever-evolving working landscape, the number of areas where problems, perhaps even crises, may…
Risk Analytics Landscape: 2022 | Harnham Recruitment post
2022 is set to be an interesting year for Risk Analytics. According to research, the risk analytics market is expected to be worth around $54.95bn by 2027 and…
Key Fraud Trends: How to Stay Safe in the Changing Fraudscape | Harnham Recruitment post
Sharing and collecting data is part of our everyday lives. Whether our information is shared over social media, e-commerce sites, banks, or elsewhere, this can…
A new way to pay- Fintech innovation at the point of sale | Harnham Recruitment post
Instant transfers, real-time payments, virtual banks, and digital currencies – these are just a few of the ways fintech innovation has been booming in the last…
Get in touch
today
Can’t find the right opportunity?
If you can’t see what you’re looking for right now, get in contact anyway – we’re always getting clients through the door.
Find BRILLIANT DATA
CAREERS & MORE Data JOBS
THAN ANYONE ELSE
- APPLY RIGHT NOW
Harnham is one of the leading data recruitment companies in the world, and we are dedicated to helping data professionals find their ideal data job.
We're proud to have access to a global network of top employers and recruitment partners, and our team specialize in connecting data professionals to the right data and analytics career opportunities.
Whether you're looking for an entry-level data job or a senior-level analytics position with a top employer, we have the right opportunity for you. Search now to find the perfect data job to match your technical skills and industry experience.
We also provide a variety of career support services, such as resume and interview preparation, to help data professionals get the most out of their job searches. Follow us on LinkedIn for all the latest news and content: