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Head of Analytics (FS)
London (on-site 3 days per week)
£90,000 to £160,000 – dependent on level

This is a senior leadership role at the centre of an organisation-wide shift towards insight-led decision-making and AI-enabled analytics. You will shape how analytics operates as a shared service, influencing strategy while remaining hands-on.

The Company
They are a data-driven organisation undergoing significant transformation across analytics, reporting, and decisioning. With a strong commercial focus, they are investing in modern data platforms, automation, and AI to improve how insight is generated and used. Analytics plays a critical role in supporting growth and executive decision-making.

The Role

• Lead a centralised Analytics and MI function operating as a shared service
• Balance strategic leadership with hands-on analytics delivery
• Move the function from reporting to actionable, commercial insight
• Embed AI tools and automation into analytics workflows
• Oversee scalable data, reporting, and governance foundations
• Line manage decisioning capability and oversee platform migration
• Influence senior stakeholders across Finance, Marketing, and leadership teams

Your Skills and Experience

• Strong leadership experience within analytics or MI functions
• Proven ability to turn data into clear commercial recommendations
• Confidence influencing senior stakeholders, including C-suite
• Hands-on capability with SQL and ideally Python
• Experience with modern data stacks and BI tools
• Practical exposure to AI tools within analytics environments

What They Offer

• Salary of £90,000 to £160,000
• Bonus
• Private health insurance
• Pension scheme
• 25 days holiday
• High visibility role with significant influence and progression

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SENIOR CREDIT RISK ANALYST – COLLECTIONS STRATEGY

£50-55,000

EAST MIDLANDS

THE COMPANY

This company is a leading retailer in the UK that have a unique credit offering. This offers an excellent opportunity for someone with a year or two’s experience in the credit space to extend on their work within a successful and close-knit business.

HE ROLE

• Developing and building out their collections strategy and wider function
• Assessing existing collections policies and customer strategies to enhance performance
• Work and communicate closely with senior members and other teams within the business, including operations and underwriting
• Building out MI and wider reporting frameworks to monitor collections strategies and performance

YOUR SKILLS AND EXPERIENCE:

• Essential to have experience in credit risk, within lending strategy or portfolio
• Ideal to have developed collection strategies to enhance debt collection, reduce losses etc
• Experience using SQL or Python for data analysis is essential

SALARY AND BENEFITS

• Base salary of £50-55,000
• Free on-site parking
• Discretionary bonus
• Pension contribution scheme
• On-site amenities

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

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Fraud BD Sales Manager

£60,000 + £5,500 car allowance + commission

UK-wide (remote) with travel to client sites

Harnham are working with a leading data and insights provider to hire a Business Development Manager with strong Fraud and ID expertise.

THE COMPANY

• A major data, analytics and insights organisation supporting businesses with credit, identity and fraud solutions.
• They enable clients across financial services and other sectors to make informed decisions through access to high-quality data and technology.
• The business offers a broad suite of digital, identity and fraud tools, supporting organisations in improving customer onboarding, reducing risk, and protecting against fraud.

THE ROLE

This role sits within a specialist product and consultancy function, supporting clients through subject-matter expertise in Fraud and ID solutions. You will work with both existing and new clients to identify opportunities, advise on market developments, and position relevant tools and services.
Specifically, you can expect to be involved in:

• Selling Fraud and ID solutions to new and existing clients.
• Acting as a subject-matter expert on identity verification, fraud prevention and related services.
• Providing market insight to help clients understand trends, risks and emerging technologies.
• Working closely with internal technical teams to ensure solutions meet client needs.

YOUR SKILLS AND EXPERIENCE

• Strong understanding of Fraud and ID processes, tools and industry trends.
• Proven business development or sales experience within a relevant domain.
• Background could include financial services, vendors, resellers or consultancies.
• Excellent communication skills, with the ability to build relationships and engage confidently with clients.
• At least 3+ years’ relevant experience in a commercial or client‑facing role.

THE BENEFITS

• Clear opportunities for progression and mobility across the wider organisation.
• Exposure to a wide breadth of products and projects.
• Commission structure with strong earning potential.
• Travel expenses covered.

THE PROCESS

• Initial 30‑minute interview focused on CV, background, and role overview.
• Second-stage 1‑hour interview involving a task-based presentation and a broader discussion around motivations.

HOW TO APPLY

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

To Apply for this Job Click Here

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Senior Collections Analyst

£50,000-£55,000

Leicester + hybrid working (1-2 days per week in the office)

Harnham are working with a leading UK consumer brand on an exciting opportunity for an experienced analyst to join their credit function and shape the future of their collections strategy.

THE COMPANY

• A well-established UK retailer offering a broad range of products and credit solutions to a large customer base.
• The business has a strong financial track record and continues to invest heavily in data-led decision-making.
• Their credit and analytics teams are highly regarded within the organisation, with a strong focus on upskilling and professional development.

THE ROLE

This role sits within the collections strategy team, focusing on analysing customer behaviour and designing data-driven approaches to improve performance and customer outcomes. You will play a key part in shaping how the organisation manages and supports customers throughout their collections journey.
Specifically, you can expect to be involved in:

• Developing and optimising collections strategies and decision rules.
• Analysing customer trends, portfolio performance and workflow data to identify improvements.
• Helping rebuild the collections strategy suite following the rollout of a new scorecard.
• Supporting strategic initiatives to improve customer experience and repayment outcomes.

YOUR SKILLS AND EXPERIENCE

• Strong experience in credit risk or collections analytics.
• Proven ability to interpret customer and portfolio trends to drive strategy.
• Experience working with data to support decision-making in a regulated environment.
• SQL proficiency is essential; Python skills are beneficial but not required.
• Ability to communicate insights clearly and collaborate with cross-functional teams.

THE BENEFITS

• Competitive salary and hybrid working model.
• Opportunity to work on a major strategy transformation project.
• Strong culture of training, development and progression within the analytics function.
• Exposure to model-driven strategy and end-to-end decisioning.

THE PROCESS

• Initial 30‑minute interview (CV walkthrough and role discussion).
• Technical Excel-based task and presentation.
• Final on-site interview including a case study and culture-fit conversation.
• Offer!

HOW TO APPLY

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

To Apply for this Job Click Here

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Fraud and ID Business Development Manager
Remote with travel to client hubs.
£60,000 plus comission

This is an opportunity to step into a high-impact role where your fraud and identity expertise directly shapes client solutions. You will work with well-established customers as well as new prospects, helping them solve complex Fraud and ID challenges through market-leading products and partnerships.

The Company
They are a data-driven organisation operating at scale, supporting businesses across the UK with decisioning, insight, identity verification, and risk management solutions. Their work helps clients make more informed choices, reduce fraud losses, and deliver seamless experiences to their customers. With strong investment in innovation and a collaborative commercial team, they offer a platform where subject matter experts can genuinely influence outcomes.

The Role
You will
* Develop and convert new business opportunities within the Fraud and ID space.
* Build strong relationships with clients, acting as a trusted subject matter expert.
* Provide market insight and keep customers informed of emerging fraud trends and solution innovation.
* Present, position, and sell Fraud and ID products, including identity verification, fraud alerts, and third-party resell solutions.
* Manage the full sales cycle from discovery to negotiation and closing.
* Collaborate closely with solution consultants and product specialists to ensure clients receive the right solutions for their needs.

Your Skills and Experience
* Strong commercial experience in business development or sales within Fraud, ID, financial services, technology, or a related vendor environment.
* Solid understanding of Fraud and ID concepts, tools, and market challenges.
* The ability to translate client pain points into solution recommendations.
* Confidence presenting to senior stakeholders and influencing decisions.
* Strong communication skills and a consultative approach.
* Experience working directly with clients in a commercially focused role.

What They Offer
* Salary up to 60,000 plus car allowance.
* Strong comission structure
* Remote working with fully expensed travel.
* Opportunities to progress into broader commercial, product, or consultancy paths.
* A supportive environment with exposure to high-value clients and strategic projects.

To Apply for this Job Click Here

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Head of Analytics

£90,000-£160,000 + bonus + benefits
(Dependant on seniority)

London (on-site)

Harnham are working with a UK consumer financial services provider undergoing a major transformation in analytics, AI, and decisioning.

THE COMPANY

This organisation is a fast‑moving, data rich consumer finance business investing heavily in modern analytics, AI adoption, and decisioning infrastructure. With strong executive backing, the company is building a centralised analytics capability to drive smarter, faster, insight‑led decision-making across the business. This is a high visibility role with genuine opportunity to shape the future of analytics.

THE ROLE

This is a strategic and hands-on leadership role responsible for building and leading a central Analytics & MI function. You’ll drive insight generation, embed AI tools, and oversee key transformation initiatives across analytics and decisioning.
Specifically, you can expect to be involved in:

• Leading a central Analytics & MI team and developing an insight-driven culture.
• Driving a shift from reporting to actionable, commercially aligned insight.
• Embedding AI tools into analytics workflows and setting governance standards.
• Overseeing data structures, automated reporting, and decision engine transformation.

YOUR SKILLS AND EXPERIENCE

• Proven leadership of Analytics, MI, or Insight teams within a complex environment.
• Strong capability in converting data into clear, commercial recommendations.
• Hands-on technical proficiency (e.g., SQL and/or Python) and experience with modern data stacks.
• Practical experience using AI tools for analytics and understanding of the wider AI landscape such as Claude and Cursor.

THE BENEFITS

• Opportunity to build a modern, AI‑enabled analytics capability.
• High exposure to senior leadership and strategic decision-making.
• Influence major transformation across analytics, data, and decisioning.
• Hihgly Competitive salary, bonus, and wider benefits package.

THE PROCESS

• Initial 30-40 minute interview.
• On-site technical case study and presentation.
• Panel interview with analytics leadership.
• Final-stage interview with senior executives.
• Offer

HOW TO APPLY

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

To Apply for this Job Click Here

To Apply for this Job Click Here

Senior Data Scientist
London or Leicester (hybrid, 1 day per week onsite)
£60,000 to £75,000
This is an opportunity to join a pricing team building innovative models that shape how pricing decisions are made. You will work with complex and novel datasets, develop predictive models, and help advance a modern modelling framework that delivers real commercial impact.

The Company
They are a well-established organisation investing in data science and advanced analytics. The pricing team operates with agility and encourages curiosity, experimentation and rapid learning. With strong leadership backing and a growing modelling roadmap, they are looking to add experienced Senior Data Scientists to support their next phase of development.

The Role
* Develop, refresh and combine pricing and footprint models that support pricing decisions.
* Work with messy, complex datasets including geospatial and alternative data sources.
* Build predictive and residual models across major products, contributing to a wider model chain.
* Review and improve existing early-stage models, progressing them toward production readiness.
* Explore new ways to manage and integrate multiple models within a stack.
* Guide a junior Data Scientist and support their technical development.
* Communicate model outputs clearly to technical and non-technical stakeholders.

Your Skills and Experience
* Strong experience working with large, messy and diverse datasets.
* Hands-on modelling experience using GLMs, XGBoost or similar predictive methods.
* Proficiency in Python and SQL, ideally within a cloud environment such as Azure.
* Experience combining or managing multiple models in a pipeline.
* Clear communication skills with the ability to explain insights effectively.
* A curious mindset and the ability to work at pace.
* Insurance experience is welcome but not essential.

What They Offer
* A salary between £60,000 and £75,000.
* Hybrid working with London or Leicester as a base.
* The chance to build impactful pricing and footprint models.
* Career development through ownership, visibility and coaching opportunities.

To Apply for this Job Click Here

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CREDIT RISK CONSULTANT

£50,000 – £85,000

LONDON – HYBRID

THE COMPANY

This successful consultancy is seeking a driven and enthusiastic individual to join an experienced and close-knit team. You’ll get to work closely with the partners of the business and be directly involved in a wide range of data and analytics projects. This is an exciting opportunity to join an innovative consultancy firm working in an interesting and diverse field to deliver risk services to their clients, with vast experience in the credit risk space.

THE ROLE

As a consultant, your daily responsibilities will vary depending on projects, but you can expect to:

• Building forecasting models and cashflow projections for portfolios
• Delivering portfolio and investor reporting for lenders
• Conducting scorecard reviews and contributing to the development of new models.
• Running stress testing exercises for unsecured lending books
• Supporting on credit strategy development and implementation

YOUR SKILLS AND EXPERIENCE:

• 3+ years experience in credit risk from a lender
• Strong knowledge and experience with Python
• Experience working on scorecards, modelling, regulatory models, pricing or profitability
• Experience presenting to and working with stakeholders or external parties
• A strong academic background, with a degree in a STEM subject

BENEFITS AND SALARY

• £50-85,000 base salary
• Company pension
• Private healthcare
• Clear opportunities and path for promotion
• Hybrid work model

To Apply for this Job Click Here

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Credit Risk Consultant

£55,000-£85,000

London + hybrid working (2 days in office)

Harnham are working with a leading UK consultancy who are expanding their credit risk and analytics team with the hire of a Credit Risk Consultant to support a wide variety of modelling and advisory projects.

THE COMPANY

• A well established professional services firm offering advisory, analytics and actuarial expertise across multiple sectors.
• Their credit risk division delivers data driven moelling and strategic insight to lenders, financial institutions, and investors.
• With continued growth and new service areas, they offer broad exposure, a collaborative environment, and strong technical development.

THE ROLE

This role sits within the credit risk team and will focus on delivering a range of modelling, analytics, and advisory projects across consumer lending and related markets. You will act as a hands on consultant, owning workstreams and supporting both senior leaders and junior analysts.

Specifically, you can expect to be involved in:

• Building and enhancing credit risk forecasting, cashflow, and portfolio models.
• Conducting portfolio and performance analytics across a range of lenders and products.
• Supporting technical reviews such as scorecard assessments, stress‑testing, and modelling validation.
• Delivering data‑driven insights for investor due diligence and strategic advisory projects.
• Working across multiple short‑cycle projects (typically 3-6 weeks) with a variety of clients.

YOUR SKILLS AND EXPERIENCE

• Experience in credit risk analytics, ideally 3+ years within financial services or consultancy.
• Strong Python skills for modelling, data manipulation, and analytical workflows.
• Exposure to credit risk modelling techniques (e.g., forecasting, scorecards, stress‑testing).
• Ability to manage projects, communicate insights, and work collaboratively with technical and non‑technical stakeholders.
• Strong academic background in a numerical/STEM discipline.

THE BENEFITS

• Exposure to diverse and complex modelling projects across multiple lending products.
• Flat structure offering direct access to senior experts and the chance to quickly develop.
• Regular technical and non‑technical training sessions.
• Hybrid working with a high quality London office environment.

THE PROCESS

• Initial 30‑minute interview focusing on experience and technical background.
• Technical assessment involving Python and a case‑study style dataset.
• Final in‑person interview with further technical and competency discussion.

HOW TO APPLY

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

To Apply for this Job Click Here

To Apply for this Job Click Here

Senior Actuarial Analyst / Actuary

£50,000-£80,000

London + flexible working

Harnham are working with a growing insurance provider who are looking to hire a Senior Actuarial Analyst to help build and strengthen their internal capital modelling capability.

THE COMPANY

• This is a specialist insurance provider operating in the UK retail market.
• They are scaling rapidly and have a modern, lean structure with a strong technical ethos.
• With a dynamic environment and continued customer growth, they are now bringing key actuarial functions in‑house.

THE ROLE

You will play a leading role in building and owning the organisation’s capital modelling capability as they transition these processes internally. This is a high‑impact position offering autonomy, visibility, and scope to shape modelling frameworks across the business.

Specifically, you can expect to be involved in:

• Leading the development and oversight of capital models aligned to Solvency II requirements.
• Supporting actuarial reporting processes and contributing to wider risk based decision making.
• Collaborating with pricing, claims, and other commercial teams to embed capital insights.
• Delivering project-based analysis driven by business needs and emerging risks.

YOUR SKILLS AND EXPERIENCE

• Part‑qualified or newly qualified actuary with strong exam progress.
• Experience in capital modelling within an insurance environment.
• Understanding of Solvency II frameworks and related reporting.
• Coding skills (such as Python or similar).
• Strong academic background with the ability to operate proactively and independently.
• Motor or retail insurance experience is beneficial but not essential.

THE PROCESS

• Initial 30‑minute interview (experience, motivations, high‑level technical).
• 1‑hour technical interview with actuarial team members (capital modelling deep dive).
• Final 1‑hour conversation with senior leadership (culture fit and motivations).

THE BENEFITS

• Significant autonomy and ownership across capital modelling.
• High exposure to senior leadership and cross‑functional teams.
• Support for actuarial study where relevant.
• Opportunity to influence and build key actuarial processes from the ground up.

HOW TO APPLY

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

To Apply for this Job Click Here

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Senior Actuarial Analyst / Actuary
London, very flexible working
Salary 50000 to 80000

This is a rare opportunity to step into a highly autonomous role where you will own the capital modelling process for a growing insurance business. You will work closely with senior leaders, influence key decisions, and help build in‑house capability as the organisation scales.

The Company
They are a specialist insurer, established but growing and with a collaborative team. They combine a lean structure with strong technical expertise and a culture built around bright, driven people.

The Role
* Lead the development and ownership of capital modelling across the business
* Build models to assess risk, capital requirements and solvency positions
* Support Solvency II reporting and contribute to broader regulatory work
* Collaborate closely with pricing, actuarial and wider commercial teams to influence decisions
* Drive project work linked to business needs, solving complex problems with analytical approaches
* Play a key role as they transition capital models, solvency processes and actuarial reporting in‑house

Your Skills and Experience
* Strong commercial experience in capital modelling within insurance
* Understanding of Solvency II reporting and regulatory frameworks
* Partially or newly qualified actuary
* Coding capability such as Python, R or similar
* Experience in retail insurance
* Motivated, proactive and comfortable working independently in a fast‑paced environment

What They Offer
* Salary between 50000 and 80000 depending on experience
* Very flexible working, with the option to meet in London occasionally
* Study support for part‑qualified candidates
* High visibility across the business and genuine ownership of key modelling work

To Apply for this Job Click Here

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Credit Risk Manager

Up to £70,000

Hybrid

West Midlands

The Company

We are currently recruiting for a Risk Manager on behalf of one of our leading lending clients. They are a major player in the unsecured lending market and continue to expand their credit risk and portfolio management capabilities. In this role, you will take responsibility for a key credit risk portfolio, using analytics and insight to drive performance and improve strategy.

The Role

As a Risk Manager, you will be:

• Reporting on portfolio performance, risk trends and key insights
• Using SAS/SQL to assess the portfolio, forecasting, and bad‑debt exposure.
• Helping shape and develop credit risk strategies across acquisitions, pricing and existing customer management.
• Understanding and interpreting CRA and third‑party data to inform strategy decisions.
• Reviewing dashboards, MI and forecasting to identify optimisation opportunities across the portfolio.
• Working with a dedicated data scientist to support modelling inputs and strategic enhancements.

Your Skills and Experience

To be successful as a Risk Manager, you will need:

• Experience in credit risk or portfolio analytics within consumer lending.
• Strong SAS and/or SQL experience
• Ideally experience with Python
• Solid understanding of CRA data, MI and credit risk frameworks.
• Strong stakeholder management and confident communication skills.
• Experience working with portfolio analytics, forecasting and risk controls.

Benefits

Up to £70,000 + benefits package

To Apply for this Job Click Here