WHAT WE DO
Global risk and portfolio profiling help brands understand success across metrics such as currencies and economies. Understanding and increasing growth, as well as market share, through skilled optimisation, is a coveted skill set we hire for.
Strategic planning and stress testing to balance risk is paramount for the businesses we work with to maximise returns, and getting the most out of a portfolio is something all Harnham candidates are well versed in.
We at Harnham inspect all the elements of every candidate's profile to determine the right balance of experience, education and team fit.
RISK ANALYTICS
OVERVIEW
We place talented analytical professionals into the Risk Analyst positions that come with so much responsibility.
We appreciate the importance of protecting the world’s interests and know the role that data has to play. Our dedicated Risk Analytics team fully understands risk analytics in finance and decision science, as well as the significance of knowing your market.
As within the world of Risk Analytics, the customers we work with differ by location, size and industry. We have experience across all the major marketplaces and can assist you, whether you are hiring to reinforce an existing presence or build a new one.
RISK ANALYTICS
OVERVIEW
We place talented analytical professionals into the Risk Analyst positions that come with so much responsibility.
We appreciate the importance of protecting the world’s interests and know the role that data has to play. Our dedicated Risk Analytics team fully understands risk analytics in finance and decision science, as well as the significance of knowing your market.
As within the world of Risk Analytics, the customers we work with differ by location, size and industry. We have experience across all the major marketplaces and can assist you, whether you are hiring to reinforce an existing presence or build a new one.
DECISION
SCIENCE
Every aspect of business now benefits from the efficiencies that the extrapolation of insights from analytics can deliver.
The collaborative approach of Decision Science teams helps the decision-making process achieve far superior results than ever before. Combining mathematical equations, tech and behavioural sciences for the most informative insights is now standard and has seen the industry progress at a rapid rate.
PORTFOLIO
ANALYST
Global risk and portfolio profiling help brands understand success across metrics such as currencies and economies. Understanding and increasing growth, as well as market share, through skilled optimisation, is a coveted skill set we hire for.
Strategic planning and stress testing to balance risk are paramount for the businesses we work with to maximise returns, and getting the most out of a portfolio is something all Harnham candidates are well versed in.
AIRB
MODELLING
Advanced Internal Ratings-Based Modelling (AIRB) refers to a set of Credit Risk measurement techniques which has allowed banks to develop models which can help them quantify the required capital for Credit Risk.
The development of PD, EAD and LGD models within the banking sector is a very important, but also very niche, skillset into which Harnham has focused on sourcing, understanding, and assessing both candidate abilities and client needs.
FRAUD
ANALYST
Fraud Analytics is an essential part of any business when it comes to profit and loss. To mitigate risk, our clients work to understand the drivers of fraud and its ultimate prevention through analytics.
Predicting future areas of fraud, mitigating risk, and protecting their clients and customers without damaging the accessibility and success of their products and services, is a key advantage to any business.
JOBS
LATEST
OPPORTUNITIES
Harnham are a specialist Data & AI recruitment business with teams that only focus on niche areas.
Senior Credit Risk Analyst
London
£50000 - £55000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR CREDIT RISK ANALYST
UP TO £55,000 + BENEFITS
LONDON, LEICESTER, OR REMOTE
This is an exciting time to join a fast-paced growing credit risk team within a well-known company where you will be able to get hands on and push future strategies.
THE COMPANY
This company is heavily driven by Data and Analytics and is looking for a Senior Credit Risk Analyst that will be able to identify and develop innovative solutions for a wide range of problems. There is huge scope for growth in this role as you will participate in large-scale projects. Due to this being a hands-on role you will be able to use multiple data sources and analytical tools to further develop your skills.
THE ROLE
This position would be part of the wider risk team. Within this role, you would be:
- Take responsibility for developing, monitoring, and optimising acquisition, account management and collection strategies to drive results whilst preserving customer outcomes, regulatory compliance, and reputational integrity.
- Your role would also include work on decisioning scorecards, performance monitoring and identifies threats and opportunities to optimise risk strategies.
- Support development of new personal lending products and propositions, with a focus on the development of suitable credit risk strategies.
- Presenting findings from these models to management.
SKILLS & EXPERIENCE
- A strong knowledge of SAS, SQL, or Python.
- Previous experience in a consumer lending environment.
- Knowledge of various statistical modelling techniques especially building scorecards and overall strong data analysis skills.
- Good written and verbal communication skills.
- Must have a strong numerate/STEM degree.
SALARY & BENEFITS
- Up to £55,000pa base salary.
- Hybrid or Remote working.
- Life insurance.
- Discretionary yearly bonus.
- Excellent pension offering – 10% matched.
HOW TO APPLY
Please register your interest by applying directly to this advert on LinkedIn.
To Apply for this Job Click Here
Senior Credit Risk Analyst – Acquisition Strategy
West Midlands
£45000 - £60000
+ Risk Analytics
PermanentWest Midlands
To Apply for this Job Click Here
SENIOR CREDIT RISK ANALYST
£55,000
LONDON/FULLY REMOTE
Very exciting opportunity here with a growing FinTech lender to join their acquisition team and drive performance in a new lending performance. They have huge growth planned for this year and offer a chance to be part of a driven environment.
THE COMPANY
This company is a successful and growing lender here in the UK, who are continuing to scale up. They are a fast-paced and dynamic company and are seeking a motivated and driven candidate to work across their credit strategies. This role offers excellent development and learning opportunities as well as significant exposure to stakeholders and senior members of the team.
THE ROLE
Within this role you will be part of the wider credit risk team, focusing centrally lending strategies for their customers. You can expect to work on:
- Overseeing and optimising existing customer strategy, with a specific focus on new acquisitions
- Wider development of credit risk strategies utilising a wide range of data including from credit reference agencies
- Reporting of acquisitions and existing customer base to the wider team and stakeholders
- Wider ad hoc analysis and opportunity to work with and be involved in model development
YOUR SKILLS AND EXPERIENCE:
- Essential to have a background in consumer lending
- Experience in driving insight
- Good knowledge of programming software such as SAS, SQL or Python
- Educated to at least degree level in a STEM subject
- Strong communication skills and desire to learn
SALARY AND BENEFITS
- Up to £55,000 base salary
- Discretionary bonus scheme
- Contributory pension scheme
- Hybrid work model
- 25 days holiday
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
Senior Credit Risk Analyst
London
£45000 - £55000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Credit Risk Analyst
Up to £55,000
Hybrid
London
The Company
I am hiring a Senior Credit Acquisitions Risk analyst top innovative lending fintech based in the UK. Within this role you will be bringing your credit risk acquisitions strategy experience to help drive the company’s revenue, profitability, and portfolio growth.
The Role
As a Senior Credit Risk Acquisitions Analyst, you will be:
- Driving the development of acquisitions strategy
- Developing new insights to drive credit risk strategies for acquisitions.
- Detecting new trends on customer data to help increase business revenue.
- Working with senior leadership to implement/improve acquisitions strategy.
- Developing and implementing new credit risk strategies weekly
- Using SQL daily for strategy development for loans
Your skills and experience
To be successful as a Senior Credit Risk Acquisitions Analyst, you will need:
- Experience as a credit risk analyst
- Experience developing acquisitions strategy.
- Strong working experience with SQL
- Strong experience developing credit risk strategies using SQL
- Experience within unsecured lending
- A numeric degree from a top university
Benefits
Up to £55,000 + comprehensive benefits package
HOW TO APPLY
Please register your interest by sending your CV to Sean Tunley via
To Apply for this Job Click Here
Lead credit risk analyst
Leeds
£40000 - £60000
+ Risk Analytics
PermanentLeeds, West Yorkshire
To Apply for this Job Click Here
LEAD CREDIT RISK ANALYST
LEEDS
UP TO £60,000
As a Lead Credit Risk Analyst, you will play a pivotal role in managing and enhancing our bank’s credit risk strategies. Leveraging your expertise in credit risk analysis, you will contribute to the development and implementation of robust credit risk models and policies, ensuring the bank’s portfolio remains resilient and aligned with regulatory standards.
THE ROLE
- Conduct a comprehensive analysis of the credit portfolio, identifying emerging risks, providing insights to senior management for informed decision-making and implementing credit risk strategies.
- Collaborate with cross-functional teams to formulate and update credit risk policies, ensuring compliance with regulatory requirements and internal standards.
- Utilize large datasets to extract meaningful patterns, trends, and insights, contributing to a proactive and data-driven credit risk management approach.
- Stay abreast of industry regulations and ensure that credit risk strategies and models align with regulatory guidelines, making necessary adjustments as required.
REQUIREMENTS
- Bachelor’s degree in a quantitative field such as Finance, Economics, Mathematics, or Statistics. Advanced degree (MSc, PhD) is a plus.
- Proven experience in credit risk analysis within a banking or financial services environment.
- Strong proficiency in statistical modeling and programming languages (e.g., SAS, R, Python) for data analysis.
- In-depth understanding of credit risk principles, regulatory requirements, and industry best practices.
HOW TO APPLY
Please send CV or apply below!
To Apply for this Job Click Here
Lead credit risk analyst
Birmingham
£40000 - £60000
+ Risk Analytics
PermanentBirmingham, West Midlands
To Apply for this Job Click Here
LEAD CREDIT RISK ANALYST
BIRMINGHAM
UP TO £60,000
As a Lead Credit Risk Analyst, you will play a pivotal role in managing and enhancing our bank’s credit risk strategies. Leveraging your expertise in credit risk analysis, you will contribute to the development and implementation of robust credit risk models and policies, ensuring the bank’s portfolio remains resilient and aligned with regulatory standards.
THE ROLE
- Conduct a comprehensive analysis of the credit portfolio, identifying emerging risks, providing insights to senior management for informed decision-making and implementing credit risk strategies.
- Collaborate with cross-functional teams to formulate and update credit risk policies, ensuring compliance with regulatory requirements and internal standards.
- Utilize large datasets to extract meaningful patterns, trends, and insights, contributing to a proactive and data-driven credit risk management approach.
- Stay abreast of industry regulations and ensure that credit risk strategies and models align with regulatory guidelines, making necessary adjustments as required.
REQUIREMENTS
- Bachelor’s degree in a quantitative field such as Finance, Economics, Mathematics, or Statistics. Advanced degree (MSc, PhD) is a plus.
- Proven experience in credit risk analysis within a banking or financial services environment.
- Strong proficiency in statistical modeling and programming languages (e.g., SAS, R, Python) for data analysis.
- In-depth understanding of credit risk principles, regulatory requirements, and industry best practices.
HOW TO APPLY
Please send CV or apply below!
To Apply for this Job Click Here
Senior Credit Risk Manager – FinTech
London
£70000 - £90000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR CREDIT RISK MANAGER
£90,000
LONDON
THE COMPANY
This is an exciting opportunity with a leading UK FinTech that focus on harnessing data to enhance their lending decisions. This business have been growing in recent years and are now in an excellent position. This role offers the chance to work closely with the data science team to drive impact across their lending strategies and broader business profitability.
THE ROLE
- Analysing trends in lending portfolios to drive insight and enhance business performance
- Developing lending strategies across the customer lifecycle to enhance profitability and decisioning
- Collaborating with the data science team to drive model performance and implementation of innovative machine learning models
- Leading the incorporation of new data sources to enhance and improve decisioning
YOUR SKILLS AND EXPERIENCE
- Previous experience in and knowledge of SQL is essential, Python desirable
- Experience in developing lending strategies in a consumer lending environment
- Understanding of and exposure to credit risk models, such as scorecards
- STEM degree from a Russell Group University
SALARY AND BENEFITS
- Base salary of up to £90,000
- Hybrid work model
- Company equity
- Broader company benefits including international trips
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
Senior Credit Risk Manager
Nottingham
£80000 - £95000
+ Risk Analytics
PermanentEast Midlands
To Apply for this Job Click Here
SENIOR CREDIT RISK MANAGER
UP TO £95,000
EAST MIDLANDS
This role does not offer sponsorship.
This is an exciting time to join this business as they are undergoing a major digital transformation with the credit risk function at the core of it. You will be looking to tailor new products to interesting and specific customers in terms of their analytics.
THE COMPANY
This company is undergoing a mortgage proposition transformation where they are aiming to service an under served segment of the market. They are looking to differentiate their company from usual mortgage lenders and create a unique name in the market.
THE ROLE
You will be doing the following daily:
- Proactively discover partnership opportunities with innovative lenders through extensive market research and networking efforts.
- Assess potential partners based on lending quality and anticipated profitability, providing recommendations to the Head of Deals and the Executive team, in accordance with approved risk appetite.
- Develop and execute Credit Risk due diligence for potential partners, assisting in approval processes by creating and presenting documents to governance committees and the Board, under the guidance of the Head of Deals.
- Take the lead in examining, negotiating, and finalising lending policies, including credit scoring and affordability thresholds.
- Evaluate the underwriting practices of prospective partners, occasionally overseeing third-party testing.
- Model potential lending balances, ensuring that contractual agreements incorporate key constraints.
- Monitor and oversee the performance of inorganic lending portfolios, ensuring alignment with risk appetite and contractual parameters.
- Review exceptional cases referred by partner underwriters.
- Participate in the Retail Credit Risk Committee, with specific responsibility for the inorganic lending portfolio.
YOUR SKILLS AND EXPERIENCE
- Experience in the 2nd line of Defence: producing and owning Lending Policy, Frameworks, and appetite statements.
- Have in-depth knowledge of the different types of lending, PRA Rulebook, FCA Handbook, MCOB, Consumer Duty, and SS20/15.
- Strong ability to influence stakeholders of all levels.
- Excellent written and verbal communication skills.
- Experience working on mortgage portfolios.
- Experience with SAS is ideal.
THE BENEFITS
- Up to £95,000 salary.
- Hybrid working.
- Bonus scheme.
- Medicash healthcare scheme.
- 27 days annual leave plus bank holidays.
- Holiday purchase scheme.
- Enhanced family leave.
HOW TO APPLY
Please register your interest by sending your CV to Gaby Adamis via the Apply link on this page.
To Apply for this Job Click Here
Senior Credit Strategy Manager
Nottingham
£75000 - £95000
+ Risk Analytics
PermanentNottingham, Nottinghamshire
To Apply for this Job Click Here
Senior Credit Strategy Manager
Nottingham (x2 per week)
Up to £95,000 + benefits
A leading and forward-thinking company, committed to transforming the industry through cutting-edge technology and exceptional customer experiences.
As a Senior Credit Risk Strategy Manager, you will be responsible for providing a credit risk lens on new deals and partnership propositions. These new propositions are a key pillar in their growth strategy and this role is responsible for ensuring they fit in with the business’s credit risk framework.
THE ROLE
- Policy Review: Provide review of 3rd party (prospect’s) credit risk policies, scorecards and frameworks ensuring they align with the credit risk appetite
- Thought Leadership: This role is a crucial role in enabling the business to execute it’s ambitious growth strategy
- Stakeholder Engagement: Ability to communicate with senior stakeholders and have difficult conversations, knowing how to push back and get buy-in appropriately. The role will be involved in credit and investment committee meetings
- Strategy Formulation: Collaborate with cross-functional teams to design and implement effective credit risk strategies that balance risk and reward, optimizing customer outcomes and credit performance.
- Data Analysis: Analyze large datasets to identify trends, patterns, and potential areas of risk exposure, translating findings into actionable insights.
REQUIREMENTS
- Bachelor’s or Master’s degree in a quantitative discipline such as Mathematics, Statistics, Economics, or a related field.
- Proven experience working on credit risk policy for a mortgage lender
- Extensive experience in data-drive decision making
- Familiarity with credit risk regulations, compliance requirements, and industry best practices.
- Ideally with proficiency in data manipulation and analysis using tools such as SQL, Python, R or similar.
- Excellent communication and presentation skills, with the ability to convey complex concepts to non-technical stakeholders.
To Apply for this Job Click Here
Senior Credit Risk Manager
£80000 - £95000
+ Risk Analytics
PermanentEast Midlands
To Apply for this Job Click Here
Senior Credit Risk Manager
Up to £90,000
Hybrid
Midlands
The Company
I am hiring a Senior Credit Risk Manager for a leading lending company that leads the way on all types of unsecured and secured lending. Within this role, you will help drive growth across portfolios for Credit Risk analytics.
The Role
As a Senior Credit Risk Manager, you will be:
- Reviewing and developing credit risk lending policies
- Overseeing and maintaining the credit risk scoring and affordability models
- Working with internal and external stakeholders
- Supporting with the growth of the lending the book
- Developing and managing end-to-end strategies across the portfolio
Your skills and experience
To be successful as a Senior Credit Risk Manager, you will need:
- Strong experience with Credit Risk Management
- Strong experience with mortgages within a Bank or Building Society
- Experience with developing Credit Risk policies
- Experience in the 2LOD
- Ideally experience with SAS
- Excellent stakeholder experience is essential for this role.
HOW TO APPLY
Please register your interest by sending your CV to Sean Tunley via
To Apply for this Job Click Here
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