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Senior Credit Risk Analyst
£60,000 – £80,000 + up to 15% bonus
London (Hybrid Working)

An exciting opportunity has arisen at a fast-growing fintech firm specialising in embedded finance. This role offers the chance to work with high-profile global partners and play a key part in shaping credit risk strategy through data-driven insights and advanced analytics.

The Company

This award-winning fintech operates across the UK, EU, and US, empowering tech firms, payment platforms, and e-commerce leaders to offer flexible, branded financing to their merchant bases through a cutting-edge software.

The Role

• Perform in-depth portfolio-level credit risk analysis using statistical methods and data modelling

• Monitor and evaluate customer segment performance to identify risk trends and opportunities

• Contribute to the design and enhancement of credit risk policies, pricing models, and underwriting strategies

• Generate actionable, data-led insights to support optimisation of risk-adjusted returns

• Collaborate cross-functionally with product, finance, compliance, and operations teams to align risk management with business strategy

Your Skills and Experience

• Degree in Finance, Economics, Statistics, Mathematics or related field

• Proficiency in SQL

• Strong knowledge of credit risk concepts and metrics (PD, LGD, EAD)

• Demonstrated experience in credit risk analysis, ideally within fintech or lending

• Solid skills in data visualisation and presenting technical results to non-technical stakeholders

• Excellent attention to detail and analytical problem-solving

Desirable Skills

• Experience in SME lending environments

• Familiarity with Python for data manipulation and modelling

Salary & Benefits

• Base salary between £60,000 and £80,000

• Annual bonus up to 15%

• Stock options

• Private medical insurance (Vitality)

• Enhanced maternity and paternity leave

• Employee Assistance Programme (EAP)

• Subsidised lunches and late-working Deliveroo allowance

• Free gym in office

• Monthly in-office massage therapist

• Regular team and company socials, including football league participation

How to Apply

To express interest in this opportunity, please submit your CV via the ‘Apply’ link.

To Apply for this Job Click Here

To Apply for this Job Click Here

Liquidity Risk Manager

Up to £75,000

Kent (Hybrid Working)

An excellent opportunity has emerged at a dynamic, fast-growing challenger bank seeking a talented individual to join their Risk function. This role offers end-to-end ownership of Market and Liquidity Risk and the chance to lead a small, high-performing team.

The Company

This forward-thinking bank is expanding rapidly and offers a range of innovative lending products. With a strong collaborative culture and a close-knit team environment, this is a fantastic opportunity to gain broad exposure and make a meaningful impact in a key strategic role.

The Role

• Lead the delivery and ongoing enhancement of the bank’s ILAAP and ICAAP frameworks

• Develop clear and impactful MI reporting for Market and Liquidity Risk

• Conduct detailed analysis to inform and shape the Board’s risk appetite

• Manage and support a small team, helping to drive continuous improvement and performance

Your Skills and Experience

• Experience working within a retail banking environment is essential

• Strong knowledge and hands-on experience in managing liquidity risk

• Direct involvement in ILAAP/ICAAP reporting or broader liquidity/IRRBB risk management

• Experience using Focus is highly advantageous

• Previous team management experience is a plus, though not required

Salary & Benefits

• Competitive base salary up to £70,000

• Hybrid working model

• Generous pension contributions

• Discretionary annual bonus

• Private medical insurance

How to Apply

To express your interest, please send your CV to Gaby Adamis via the ‘Apply’ link.

To Apply for this Job Click Here

To Apply for this Job Click Here

Liquidity Risk Manager
Up to £70,000
West Midlands (Hybrid Working)

An excellent opportunity has emerged at a dynamic, fast-growing challenger bank seeking a talented individual to join their Risk function. This role offers end-to-end ownership of Market and Liquidity Risk and the chance to lead a small, high-performing team.

The Company

This forward-thinking bank is expanding rapidly and offers a range of innovative lending products. With a strong collaborative culture and a close-knit team environment, this is a fantastic opportunity to gain broad exposure and make a meaningful impact in a key strategic role.

The Role

• Lead the delivery and ongoing enhancement of the bank’s ILAAP and ICAAP frameworks

• Develop clear and impactful MI reporting for Market and Liquidity Risk

• Conduct detailed analysis to inform and shape the Board’s risk appetite

• Manage and support a small team, helping to drive continuous improvement and performance

Your Skills and Experience

• Experience working within a retail banking environment is essential

• Strong knowledge and hands-on experience in managing liquidity risk

• Direct involvement in ILAAP/ICAAP reporting or broader liquidity/IRRBB risk management

• Experience using Focus is highly advantageous

• Previous team management experience is a plus, though not required

Salary & Benefits

• Competitive base salary up to £70,000

• Hybrid working model

• Generous pension contributions

• Discretionary annual bonus

• Private medical insurance

How to Apply

To express your interest, please send your CV to Gaby Adamis via the ‘Apply’ link.

To Apply for this Job Click Here

To Apply for this Job Click Here

LIQUIDITY RISK MANAGER

£70,000

WEST-MIDLANDS/KENT

An exciting opportunity has arisen with a growing bank who are looking to add a motivated individual to their risk team. This role offers a chance to own Market and Liquidity risk for the bank whilst leading a small team.

THE COMPANY

This company is an exciting challenger bank who are continuing to grow. They offer a range of unique products as part of their lending book and have an excellent team culture. This role offers the chance to gain great exposure across the bank and have a really hands-on role in a close-knit team.

THE ROLE

• Support ILAAP and ICAAP to ensure robust strategic risk management
• Take charge of developing impactful management information for market and liquidity risk reporting-translating complex data into clear insights
• Leading in-depth analysis to shape and refine the Board’s risk appetite around market and liquidity risks
• Managing a small team to enhance business performance

YOUR SKILLS AND EXPERIENCE

• Experience in retail banking is essential
• Prior experience in managing liquidity risk is essential
• Prior experience reporting on ILAAP/ICAAP or managing wider risks in liquidity/IRRBB
• Experience using Focus is highly desirable
• Management experience is desirable but not essential

SALARY AND BENEFITS

• Up to £70,000 base salary
• Pension contribution scheme
• Discretionary bonus
• Hybrid work model
• Private medical care

HOW TO APPLY

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

To Apply for this Job Click Here

To Apply for this Job Click Here

SENIOR CREDIT RISK STRATEGY ANALYST – FINTECH
£80,000
LONDON

This FinTech have been through significant growth in the past few years and are looking to continue on this journey. They are a dynamic and fast-paced lender and are seeking a driven and experienced individual to join their team in developing their lending strategies. This role is an opportunity for someone to be part of a successful company which is continuing to grow whilst driving impact in your work at the forefront of the market.

THE ROLE

• Developing and driving lending strategies across the business, across both acquisitions and exisiting customers
• Work across a range of areas including pricing, profitability, affordability and broader lending decisions to add growth and commercial improvements across the business
• Analysing wider portfolio performance to drive innovation and forecast future developments
• Integrating CRA and wider customer data to enhance business performance

YOUR SKILLS AND EXPERIENCE:

• Essential to have experience within consumer lending
• Strong experience in developing and leading implementation of credit risk strategies is essential
• SQL or Python experience is essential
• Experience working with SME or business lending is highly desirable

SALARY AND BENEFITS

• Up to £80,000 base salary
• Bonus
• Private medical care
• Pension scheme

HOW TO APPLY

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

To Apply for this Job Click Here

To Apply for this Job Click Here

SENIOR CREDIT RISK ANALYST

SALARY UP TO £80,000

LONDON, HYBRID WORKING (3 DAYS A WEEK IN THE OFFICE)

In this role, you’ll be working on developing/enhancing the company’s lending strategy, working across acquisitions, underwriting, and pricing. You’ll be sitting in a lean, highly talented team, so you’re able to drive real change and directly impact the growth of the business.

THE COMPANY

This Fintech is experiencing high levels of growth and has been expanding across the business. You’ll be working in a talented team and have the opportunity/autonomy to drive real change.

THE ROLE

• Manage and optimise the Fintech’s lending strategy, working across acquisitions, underwriting, and pricing strategy.
• Provide wider portfolio analysis and identify new trends, risks, and opportunities to grow the book
• Provide high-quality, actionable insights to inform lending decisions and enhance existing strategies

YOUR SKILLS AND EXPERIENCE

• Proficiency in SQL is required
• Strong experience in the credit risk strategy space
• Experience working with SME lending is ideal
• Fintech experience is ideal

THE BENEFITS

• Competitive salary up to £80,000
• Strong bonus scheme
• Stock options
• Pension scheme
• Private medical

HOW TO APPLY

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

To Apply for this Job Click Here

To Apply for this Job Click Here

CREDIT RISK MANAGER – PORTFOLIO ANALYTICS

£100,000

LONDON

An exciting Fintech company is currently hiring for a Credit Risk Manager. This role will have good impact for a scale up business.

This role is an excellent opportunity to move into a fast-paced environment and take on real responsibility for business decisions and have the innovative space to have impact and drive change.

THE COMPANY

This Fintech business are in the business lending space and are known for being a dynamic and fast paced organisation where you’ll be able to have a lot of impact with your work. They provide great flexibility for their employees and stock within the benefits package.

THE ROLE

You can expect to be involved in the following day to day:

• Monitor credit performance of lending portfolios
• Report to Risk Committee on credit loss rates and credit risks
• Help develop and manage credit policy and risk appetite
• Help provide strategic recommendations for credit strategy and summaries for the company’s funding strategy

SKILLS AND EXPERIENCE

• SQL needed
• Python experience is ideal
• Credit Risk experience in consumer or SME lending
• Top numerical degree

SALARY AND BENEFITS

• Up to £100000
• Stocks in the business
• Private Medical

HOW TO APPLY

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

To Apply for this Job Click Here

To Apply for this Job Click Here

SENIOR CREDIT RISK MANAGER

£100,000

LONDON

An exciting Fintech company is currently hiring for a Senior Credit Risk Manager. This role will have good impact for a scale up business.

This role is an excellent opportunity to move into a fast-paced environment and take on real responsibility for business decisions and have the innovative space to have impact and drive change.

THE COMPANY

This Fintech business are in the business lending space and are known for being a dynamic and fast paced organisation where you’ll be able to have a lot of impact with your work. They provide great flexibility for their employees and stock within the benefits package.

THE ROLE

You can expect to be involved in the following day to day:

• Own underwriting strategy for one of the lender’s portfolios, non-UK lending
• Work closely with data science team to deliver improvements on acquisition models
• Analyse data, portfolio performance and key credit risk metrics to help develop new lending strategies
• Manage a team of a couple of analysts
• Work closely with teams across the business in recognizing the risks encountered and steer product development to better satisfy customers’ needs

SKILLS AND EXPERIENCE

• SQL needed
• Python experience is ideal
• Credit Risk experience in consumer or SME lending
• Top numerical degree

SALARY AND BENEFITS

• Up to £100000
• Stocks in the business
• Private Medical

HOW TO APPLY

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

To Apply for this Job Click Here

To Apply for this Job Click Here

SENIOR PRICING & GROWTH ANALYST – LENDING

UP TO £80,000 + STOCK

LONDON

A top FinTech in the UK that Harnham have been partnered with for some time now are on the search for a Senior/Lead Analyst for the pricing and growth function. This position is a great opportunity to join a fast-growing business that provide amazing opportunities for development.

THE COMPANY

This FinTech became a very profitable business early on in their journey. They are known for being one of the top lending analytics companies in the UK offering unsecured and secured products. Experience at a company like this is second to none and invaluable.

THE ROLE

The role will involve working across an unsecured product.

You can expect to be involved in the following day to day:

• Oversee analysis, development and improvement for pricing and commercial strategies
• The role will involve working on promotions & pricing strategy, financial forecasting and expansion opportunities
• Wide scoping role involved analytics, strategy development and some model building

SKILLS AND EXPERIENCE

• Experience working in lending, pricing, growth or credit analytics
• Experience analysing data and documenting trends to drive insight
• Strong commercial mindset
• Strong SQL skills – Python ideal too
• Experience working for a FinTech is ideal
• A strong university degree in a numerate discipline – will need to be a top degree in STEM

SALARY AND BENEFITS

• Up to £80,000 base salary
• Stock
• Private Healthcare

HOW TO APPLY

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

To Apply for this Job Click Here

To Apply for this Job Click Here

PRICING AND GROWTH ANALYTICS MANAGER – LENDING

UP TO £100,000 + STOCK

LONDON

A top FinTech in the UK that Harnham have been partnered with for some time now are on the search for an Analytics Manager for the pricing and growth function. This position is a great opportunity to join a fast-growing business that provide amazing opportunities for development.

THE COMPANY

This FinTech became a very profitable business early on in their journey. They are known for being one of the top lending analytics companies in the UK offering unsecured and secured products. Experience at a company like this is second to none and invaluable.

THE ROLE

The role will involve working across an unsecured product.

You can expect to be involved in the following day to day:

• Be hands on and be line manager within the team
• Oversee analysis, development and improvement for pricing and commercial strategies
• The role will involve working on promotions & pricing strategy, financial forecasting and expansion opportunities
• Wide scoping role involved analytics, strategy development and some model building
• Be hands on with data

SKILLS AND EXPERIENCE

• Experience working in lending, pricing, growth or credit analytics
• Experience analysing data and documenting trends to drive insight
• Strong commercial mindset
• Strong SQL skills – Python ideal too
• Experience working for a FinTech is ideal
• A strong university degree in a numerate discipline – will need to be a top degree in STEM

SALARY AND BENEFITS

• Up to £100,000 base salary
• Stock
• Private Healthcare

HOW TO APPLY

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

To Apply for this Job Click Here

To Apply for this Job Click Here

IFRS9 MODELLING LEAD

£80,000

CARDIFF

THE COMPANY

This company is a unique digital lender who are seeking an experienced IFRS9 Modeller to join their close-knit and supportive team. The business are well known for their innovative and fast-paced culture, with this role offering an exciting opportunity to work in a varied position where you can gain exposure across the business whilst leading a small team.

THE ROLE

• Lead the end-to-end development of IFRS9 models across a range of products
• Assist the wider team with broader model projects including application and behavioural scorecards
• Work closely with the model validation team to enhance model performance
• Manage a small team of analysts to drive the team to success and enhance performance of the business

YOUR SKILLS AND EXPERIENCE

• Essential to have experience developing IFRS9 models
• Coding experience in Python and SQL is essential
• Prior management experience is desirable but not essential
• Ability to own projects and lead on delivery

SALARY AND BENEFITS

• Up to £80,000 base salary
• Pension contribution scheme
• Private medical care
• Wider benefits package

HOW TO APPLY

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

To Apply for this Job Click Here

To Apply for this Job Click Here

IFRS9 MODELLING MANAGER

COMPETITIVE SALARY UP TO £85,000

LONDON, 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

To Apply for this Job Click Here