Credit Risk Analyst

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London / £45000 - £50000 annum

INFO

Salary
SALARY:

£45000 - £50000

Location

LOCATION

London

Job Type
JOB TYPE

Permanent

Credit Risk Analyst

£45,000-£50,000

London + hybrid working (3-4 days per week in the office)

Harnham are working with a fast growing UK lender in the secured and unsecured lending space, hiring a Credit Risk Analyst to support their next phase of growth. This is a great opportunity for an early career analyst to join a business launching new products and scaling rapidly.

THE COMPANY

  • A high growth UK lending scale‑up offering innovative consumer credit products.
  • Recently reached profitability and now entering a major expansion phase, including the launch of a new unsecured loan product.
  • Operates in a fast paced, low bureaucracy environment where analysts can make a real impact.

THE ROLE

This role sits within a growing credit risk function and will focus on shaping acquisition strategies, underwriting policy and supporting the launch of new lending products. You'll work across a broad variety of projects within credit risk, with the opportunity to develop modelling and decisioning skills.
Specifically, you can expect to be involved in:
  • Developing and optimising credit strategies for new customer acquisition.
  • Working on origination, scoring cut‑offs and accept/decline policies.
  • Enhancing and maintaining decision engine logic.
  • Contributing to credit modelling and wider analytics where appropriate.
  • Using data to support improvements across the full credit life cycle.

YOUR SKILLS AND EXPERIENCE

  • 1-2 years' experience in credit risk, financial services analytics, or similar data‑driven environments.
  • Experience working with customer or credit data to generate insight.
  • Familiarity with credit strategy, policy, scoring, MI or portfolio analytics.
  • Strong SQL skills (essential).
  • Python and data visualisation tools beneficial.


THE BENEFITS

  • Opportunity to have real influence in a small, high growth team.
  • Strong progression potential with clear internal development pathways.
  • Exposure to a wide range of credit products and analytics projects.
  • Fast‑moving environment with the ability to implement change quickly.

THE PROCESS

  • Initial 30‑minute interview with HR.
  • 30‑minute interview with a senior member of the credit team.
  • Final in‑person stage including a short case‑study discussion and meeting with senior leadership.

HOW TO APPLY

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





CONTACT

Pierce Harris

Recruitment Executive

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