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Senior Credit Portfolio Analyst

Up to £70,000

Manchester

Hybrid

The Company

An excellent opportunity a reputable challenger bank who are focused on delivering both savings, mortgages, business banking, and motor finance to their customers. This role will be sitting in the 2^nd line delivering portfolio insights, developing scorecard models, overseeing model implementation, and developing lending strategies.

The Role

As a Senior Credit Portfolio Analyst, you will be:

• Developing and implementing credit risk strategies across different portfolios with the focus on mortgages.
• Developing scorecards for originations/acquisitions
• Implementation of scorecard models for the business
• Overseeing the model development and implementation across the banks portfolios
• Analysis of portfolio trends for actional insights for senior stakeholders
• Using SAS and Python daily in this role.

Your skills and experience

For you to be successful as a Senior Credit Portfolio Analyst, you will need:

• Strong experience working as a credit risk analyst for another bank/fintech
• Experience developing credit risk strategies for lending products.
• Experience using SAS and ideally python
• Experience developing or working on scorecard models
• Strong communication and teamwork skills.
• Mathematical degree

Benefits

Up to £70,000 + competitive benefits package

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Role: Azure Senior Data Engineer

Location: Manchester, Lancashire

Hybrid working: go into office 1x day a week

Salary: £50,000 – £65,000 (dependent on experience)

Insight into the Company:

A large retail organisation – market leaders in their industry – are looking for a Senior Data Engineer to enter their team. You will be working in a small team of 3 (including you!) and they are looking to build up the team over the next year.

The ideal candidate will have experience with managing data warehouses from start to finish and liaise with IT teams regularly. The role will involve stakeholder management, working with diverse roles, such as software engineers, sales and marketing professionals and more. Therefore, communicating your projects needs and understanding others is an essential part of this role.

Role and Responsibilities:

• You will design, build and upgrade data pipelines
• You will work in CI/CD and with Software/ DevOps teams in the organisation
• You will have expertise in azure – from collecting, to transforming to loading!

Skills and Experience:

• Essential to have experience with:
  • Azure
  • SQL
  • Regular stakeholder management
  • Data warehouse management
• Desirable to have experience with:
  • Bachelors in STEM subject – ideally computer science or engineering
  • CI/CD methods
  • Python

Interview Process:

• There are 3 stages to the process:

1. Introductory conversation with the Head of Business Insights
2. In person interview, focussing on techstacks
3. Sign off conversation!

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Analytics Consultant
Manchester (Hybrid – 2x Days a Week in Office)
£55,000-£65,000

THE COMPANY

A high-growth consultancy is seeking an Analytics Consultant to join their team!

THE ROLE

As the Analytics Consultant, you will consultant with clients and customers across the Data & Analytics space; you will be comfortable consulting across the customer & marketing analytics space as well as the Data Science & Engineering space

YOUR SKILLS AND EXPERIENCE

• Analytics Consulting Experience

THE BENEFITS

• £55,000-£65,000

HOW TO APPLY

Please register your interest by sending your CV to Adam Osborne at Harnham via the Apply link on this page

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Analytics Consultant
Up to £60,000
Hybrid – Manchester (2x days per week)

THE COMPANY
Our client is a digital marketing agency that delivers analytical solutions to enhance their clients’ digital performance.

THE ROLE
In this role, you will support clients by leveraging analytical and data techniques to improve their advertising and marketing campaigns.

SKILLS
Expertise across Marketing, Digital and Customer Analytics
SQL
Python
Google Analytics or Adobe Analytics

APPLY
Register your interest by sending an email

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SENIOR CREDIT RISK MODELLER

£65,000

LONDON/MANCHESTER

THE COMPANY

This successful FinTech has been growing significantly and has exciting plans and projects in the pipeline. They are at the forefront of the financial space and this role offers a chance for someone to work on hands-on model development across their regulatory and wider models. This unique opportunity offers the rare chance to help grow the business and get involved in a range of modelling projects.

THE ROLE

Within this, you can expect to work on:

• End-to-end development of models across the bank, including IFRS9, Scorecards and Forecasting
• Supporting other teams across the business in the implementation and wider maintenance of these models
• Working closely with the broader bank to implement Machine Learning and AI models

YOUR SKILLS AND EXPERIENCE

• Essential to have experience in model development
• Exposure to IFRS9, Scorecards or wider credit risk models is essential
• Experience in Python is essential
• Educated to at least degree level in a numerate degree

SALARY AND BENEFITS

• Up to £65,000 base salary
• Hybrid work model
• Private medical care
• 25 days holiday

HOW TO APPLY

Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

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LEAD CREDIT RISK ANALYST

UP TO £65,000

MANCHESTER

This role does not offer sponsorship.

This company is going through growth and looking to take on a new Lead Credit Analyst. You will set the risk appetite for the company while maintaining and monitoring performance of portfolios. You will be able to shape and drive credit strategy for unsecured lending products.

THE COMPANY

This is an exciting opportunity to work for a global banking and financial services institution. With over 150 years of history this company is well established and known for its services globally.

THE ROLE

You will be doing the following daily:

• Develop, enhance, and optimise credit risk and collections strategies, leveraging data-driven insights to make high-quality decisions for our customers.
• Conduct analyses to evaluate credit portfolios against agreed-upon performance indicators, ensuring alignment with strategic goals.
• Drive business growth by contributing to Workforce Planning and Benefits (WPB) initiatives, providing analytics for the design and implementation of new lending products, improving existing features, and managing customer exposure.
• Take the lead on complex analytical projects, seeing them through to completion with minimal guidance.
• Formulate and clearly communicate conclusions and proposals, considering risk, reward, and customer impact, and collaborate with teams to facilitate decision-making.
• Identify solutions to emerging risk issues, changing priorities, project completion challenges, and areas of conflict.
• Challenge established policies and procedures when appropriate, proposing improvements to enhance efficiency.
• Ensure portfolio strategies and processes adhere to relevant regulations and regulatory guidance.
• Foster strong interpersonal relationships, engaging with the broader organization to offer insights and support changes that improve customer outcomes.
• Cultivate relationships with and contribute to the development of junior team members and offshore analysts, enhancing their knowledge, understanding, and experience.
• Provide progress reports on initiatives to Senior Management.

YOUR SKILLS AND EXPERIENCE

• Previous experience working within the Credit Risk space on secured or unsecured products.
• Strong analytical capability, using SAS, SQL or Python
• Knowledge of FCA regulations
• Excellent written and verbal communication skills
• Strong numerical degree for a Russel Group University
• Strong numerical degree from a Russel Group Universities.

THE BENEFITS

• Up to £65,000 salary.
• Tailored professional development opportunities.
• Private healthcare.
• Contributory pension scheme with a generous employer contribution.
• Bonus scheme.

HOW TO APPLY

Please register your interest by sending your CV to Gaby Adamis via the Apply link on this page.

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LEAD CREDIT RISK STRATEGY ANALYST

£55,000

MANCHESTER

THE COMPANY

This growing UK Bank are seeking an experienced candidate to lead credit strategy and wider analytics across their lending book. This role offers an excellent opportunity to drive insight in a hands-on analytical role, whilst owning projects and profitability for the business.

THE ROLE

• Developing end-to-end lending strategies across the lending portfolios
• Broader portfolio analysis and driving insight into customer trends and behaviours
• Close work with internal and external stakeholders to drive business performance
• Co-ordination with wider teams to deploy strategies and working closely with senior stakeholders to implement change

YOUR SKILLS AND EXPERIENCE

• Prior consumer lending experience is essential, in lending strategy work
• Prior experience in portfolio analytics, customer analytics and wider reporting in a credit risk environment is essential
• Experience using SAS, SQL or Python

SALARY AND BENEFITS

• Up to £55,000 starting salary
• Discretionary bonus
• Pension contribution scheme
• 26 days holiday
• Private medical scheme

HOW TO APPLY

Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

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Data Analyst
Manchester (Hybrid – 2x Days a Week in Office)
£45,000-£55,000

THE COMPANY

An award-winning Challenger Bank is seeking a Data Analyst to join their Portfolio Analysis team!

THE ROLE

As the Data Analyst, you will use your SQL & Data Viz. experience to generate insight on cross-portfolio performance. You will be comfortable providing insight & recommendations back to both technical and non-technical stakeholders in the process

YOUR SKILLS AND EXPERIENCE

• Strong experience with Tableau or Power BI
• Good SQL experience

THE BENEFITS

• £45,000-£55,000 (dependent on experience)

HOW TO APPLY

Please register your interest by sending your CV to Adam Osborne at Harnham via the Apply link on this page

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Business Intelligence Analyst (Portfolio Analyst)

Location: Hybrid (2x per week in Manchester)

Salary: Up to £50,000

The Company

We’re working with a well-established challenger bank that’s scaling its business intelligence and portfolio analytics team. The organisation operates across savings, mortgages, business banking, and motor finance, with a strong emphasis on tech-driven decision-making. With a leaner structure than traditional high-street banks, this company offers individuals the chance to own projects end-to-end and contribute meaningfully to strategic decisions.

The Role

This is a commercially-focused analytics role sitting within the property team, reporting into the Head of Portfolio Analytics. It’s ideal for a BI Analyst who thrives on working cross-functionally with sales, product, and operations to derive actionable insights and shape strategy. The work directly supports investment and growth initiatives across customer and broker performance, commercial trends, and credit risk.

Key Responsibilities

– Deliver BI reporting and insight across core lending portfolios.

– Partner with product, sales, and risk teams to explore strategic data questions.

– Analyse broker, customer, and product-level performance to surface trends and opportunities.

– Support forward flow investment projects and new lending initiatives.

– Deliver reports in Tableau or Power BI and drive best practice in data visualisation.

Skills & Experience

Essential:

– Strong SQL skills for deep analytical querying and insight generation.

– Data visualisation experience using Power BI or Tableau.

– Previous experience working in financial services or risk-focused environments.

– Ability to turn data into actionable recommendations.

Desirable:

– Experience in credit risk, lending analytics, or broker performance reporting.

– Familiarity with Return on Equity (ROE) and portfolio strategy metrics.

– Background in challenger banking or fast-paced FS environments.

Benefits

– £50,000 base salary

– Flexible hybrid working model (2 days in-office)

– High ownership role within a growing data function

– Be part of an ambitious team shaping BI strategy at group level

How to Apply

Interested? Send your CV to Mohammed Buhariwala at Harnham via the Apply link on this page.

Keywords

Business Intelligence Analyst, BI Analyst, Credit Risk, Lending Analytics, SQL, Power BI, Tableau, Portfolio Analytics, Financial Services, Banking Analytics, Challenger Bank, Strategic Insight

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BI Analyst
Up to £50,000
Hybrid – Manchester (2x days per week)

THE COMPANY
We are working with a financial service provider.

THE ROLE
In this role, you will deliver impactful reporting and provide strategic insights to support key Property teams, including Product and Sales. You will analyze data across a range of areas-such as customer behavior, broker performance, commercial outcomes, and credit risk-to generate actionable recommendations that enable informed decision-making and drive business performance.

SKILLS AND EXPERIENCE
SQL
Power BI or Tableau (experience with both is advantageous)
Strong Insight generation skills and experience
Experience in a regulated sector, such as insurance, banking, or financial services, is advantageous.

APPLY
Send an email to register your interest or apply below. Please note that my client cannot offer sponsorship.

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SENIOR CREDIT MODEL VALIDATION ANALYST

£65,000

LONDON/MANCHESTER

THE COMPANY

This successful FinTech has been growing significantly and has exciting plans and projects in the pipeline. They are at the forefront of the financial space and this role offers a chance for someone to work on hands-on model validation across their regulatory and wider models. This unique opportunity offers the rare chance to help grow the business and get involved in a range of modelling projects.

THE ROLE

Within this, you can expect to work on:

• Validation of models across the bank, including IFRS9, Treasury, Scorecards and Forecasting
• Development of challenger models as necessary to enhance this area of the bank
• Supporting other teams across the business in the implementation and wider maintenance of these models
• Working closely with the broader bank to implement Machine Learning and AI models

YOUR SKILLS AND EXPERIENCE

• Essential to have experience in model development or validation
• Exposure to IFRS9 and wider credit models is essential
• Experience in Python/SQL/SAS/R
• Educated to at least degree level in a numerate degree

SALARY AND BENEFITS

• Up to £65,000 base salary
• Hybrid work model
• Private medical care
• 25 days holiday

HOW TO APPLY

Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

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IFRS9 MODELLING MANAGER

COMPETITIVE SALARY UP TO £85,000

MANCHESTER, HYBRID WORKING (2-3 DAYS A WEEK IN OFFICE)
In this role, you’ll be owning the IFRS9 impairment function within the business, ensuring models are effective and compliant with regulatory standards. Not only will you be managing impairment models, you’ll also be working on developing IFRS9 models with the 1^st line team.

THE COMPANY

This Fintech is well known for its innovative consumer and business finance solutions, supporting a large number of customers across the UK. Whilst you’ll be working in a lean credit department, you’ll be able to work alongside talented individuals from a range of areas within the business.

THE ROLE

• Leading the development and implementation of IFRS9 regulatory models, along with various other models across the business
• Ensuring existing models are managed and performance is explained to all relevant teams
• Present model developments to senior leadership and during committee meetings

YOUR SKILLS AND EXPERIENCE

• 5+ Years of experience working with IFRS9 models
• Strong IFRS9 model development experience is essential
• Proficiency in Python is required
• Strong interpersonal skills and the ability to work autonomously

THE BENEFITS

• Competitive salary up to £85,000
• Hybrid working
• Pension scheme
• Private Medical Insurance

HOW TO APPLY

Please register your interest via the apply link on this page, or send your CV directly

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