Senior Credit Risk Analyst

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London / £55000 - £75000 annum

INFO

Salary

SALARY:

£55000 - £75000

Location

LOCATION

London

Job Type
JOB TYPE

Permanent

SENIOR CREDIT RISK ANALYST

LONDON | £55,000 - £70,000

This is an exciting opportunity to join a high-growth fintech that is transforming consumer lending through data, technology, and innovative credit decisioning. You'll play a key role in shaping credit card strategy, using advanced analytics to influence lending decisions and drive the performance of a rapidly expanding portfolio.

THE COMPANY

They are a leading fintech business that has built a reputation for challenging traditional lenders through technology and data-driven decision making. With continued investment in analytics, machine learning, and innovative data sources, they have created a fast-paced environment where ideas are implemented quickly and individual contributions have a visible impact. Their collaborative culture gives analysts significant ownership and exposure to key commercial decisions.

THE ROLE

  • Develop and optimise credit strategies across a growing lending portfolio
  • Analyse customer and portfolio performance data to identify opportunities for growth and improved risk outcomes
  • Build and monitor forecasting models to assess portfolio performance and profitability
  • Drive strategy across areas such as underwriting, credit limits, pricing, and portfolio management
  • Generate insights from large datasets and translate findings into actionable recommendations
  • Work closely with product, engineering, and analytics teams to implement new strategies
  • Monitor the performance of live strategies and recommend enhancements based on results
  • Take ownership of analytical projects that directly influence business performance

YOUR SKILLS & EXPERIENCE

  • Strong commercial experience within Credit Risk Analytics in consumer lending
  • Experience developing or managing credit strategies, including areas such as acquisitions, underwriting, credit limits, pricing, or portfolio management
  • Strong hands-on coding experience using Python and SQL on a regular basis
  • Experience using data to solve business problems and influence commercial decisions
  • Strong understanding of credit risk strategy and portfolio performance within unsecured lending
  • Ability to independently identify opportunities, challenge assumptions, and drive improvements
  • Experience working cross-functionally to deliver analytical solutions into production
  • Strong communication skills with the ability to present insights and recommendations to a range of stakeholders

WHAT THEY OFFER

  • £55,000 - £70,000 base salary depending on experience
  • Hybrid working model
  • Opportunity to work within a market-leading fintech
  • Exposure to advanced analytics, machine learning, and alternative data sources
  • Significant ownership and autonomy from day one
  • Clear progression opportunities within a growing Credit Risk function
  • Collaborative and intellectually stimulating environment focused on innovation and impact

HOW TO APPLY

Please register your interest by sending your CV through the Apply link.

CONTACT

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