RISK ANALYTICS
FOCUS
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.
HOW WE
DO IT
To ensure effective, risk-free solutions for our clients and candidates, our recruitment solutions in this marketplace are determined by tried and tested methods.
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.
WHAT SETS
US APART?
Harnham appreciates the significant resources and sophisticated programs used to analyse and manage risk.
We are dedicated to the people who ensure banks and other financial institutions can identify, measure, monitor and control their credit risk.
We successfully recruit across the full spectrum of skill sets required to support this, from Customer Acquisition to Portfolio Management, Fraud Analytics to Collections & Recoveries, as well as Risk Audit to Credit Risk .
Whether you’re looking for a new opportunity or another team member, we can help you find your ideal solution.
As working from home becomes ever more common, you can now search Remote Risk Analytics Jobs.
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.
PORTFOLIOÂ
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.Â
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 RISK &
FRAUD OPPORTUNITIES
Harnham are a specialist Data & AI recruitment business with teams that only focus on niche areas.
Senior Credit Risk Manager
London
£100000 - £110000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Credit Risk Manager
Up to £110,000
London (3 days a week in office)
This is a rare opportunity to join a high-growth consumer lending business in a role focused on innovation, transformation, and the development of new lending capabilities. Rather than maintaining existing credit processes, you will have the autonomy to identify, build, and deliver initiatives that create meaningful commercial impact and enhance customer outcomes.
THE COMPANY
They are a well-established financial services organisation operating within the consumer lending space. With strong foundations already in place across credit risk and lending operations, they are investing heavily in the future of their credit function. Their focus is on innovation, customer value, and developing new ways to approach lending, pricing, and customer engagement. You will join a collaborative environment where new ideas are encouraged, tested, and brought to life.
THE ROLE
As a Senior Credit Risk Manager, you will take ownership of high-impact initiatives from concept through to delivery and measurable business outcomes.
Specifically, you can expect to be involved in the following:
- Identifying and delivering new lending, credit, and customer growth initiatives
- Developing new customer segments, lending propositions, and distribution opportunities
- Exploring cross-sell, retention, and customer value enhancement strategies
- Building and implementing innovative credit capabilities and lending strategies
- Assessing commercial opportunities and developing robust business cases
- Using data to evaluate performance, guide decision-making, and quantify impact
- Working closely with Credit Risk, Product, Finance, Commercial, and Operations teams
- Managing initiatives through strategy, execution, launch, and operational handover
- Influencing stakeholders across the business and driving adoption of new approaches
SKILLS AND EXPERIENCE
The successful Senior Credit Risk Manager will have the following skills and experience:
- Strong commercial experience within Credit Risk, Lending, or a related analytical function
- Experience working in a fintech, consumer lending, or fast-paced financial services environment
- Advanced SQL skills and confidence working directly with data
- Python experience is advantageous
- Ability to develop and deliver new ideas rather than solely managing existing processes
- Strong understanding of credit strategy, lending decisioning, pricing, and risk management
- Excellent stakeholder engagement and influencing skills
- A proactive, ownership-oriented approach with the ability to lead initiatives independently
- Comfortable operating in a hands-on individual contributor role
BENEFITS
The successful Senior Credit Risk Manager will receive the following benefits:
- Salary up to £110,000 – depending on experience
HOW TO APPLY
Please register your interest by sending your resume to Majid Latif via the Apply link on this page.

To Apply for this Job Click Here
Senior Credit Risk Manager 201660
City of London
£100000 - £110000
+ Risk Analytics
PermanentCity of London, London
To Apply for this Job Click Here
Senior Credit Risk Manager
London, hybrid | Salary up to £110,000
This is an opportunity to step away from traditional credit risk responsibilities and take ownership of high-impact lending initiatives. You’ll play a key role in shaping new products, customer strategies, and lending capabilities within a fast-paced FinTech environment.
The Company
They are an established FinTech business operating within consumer lending, with a strong foundation in credit risk and lending operations. Having built a successful core business, they are now investing in innovation and transformation to develop new lending capabilities and unlock future growth.
The organisation offers a collaborative environment where ideas are encouraged, experimentation is supported, and individuals have the autonomy to drive meaningful change. This is a hands-on business where ownership and commercial impact are highly valued.
The Role
As a Senior Credit Risk Manager, you will be responsible for identifying, developing, and delivering strategic initiatives that enhance lending performance and create new opportunities for growth.
Key responsibilities include:
- Developing new lending propositions, customer segments, and distribution channels
- Building and implementing innovative credit strategies and capabilities
- Identifying opportunities to increase customer value through cross-sell and re-lending initiatives
- Owning projects from concept through to implementation and operational handover
- Assessing commercial viability through analysis, modelling, and performance tracking
- Collaborating with Product, Commercial, Finance, Operations, and Risk teams to deliver business outcomes
- Influencing stakeholders and driving initiatives without direct management responsibility
- Taking accountability for measurable business impact and long-term success
Your Skills & Experience
- Strong credit risk experience within a FinTech, consumer lending, or related lending environment
- Advanced SQL skills and the ability to work independently with data
- Python experience is desirable
- Strong understanding of credit strategy, pricing, and lending economics
- Experience developing new products, propositions, or lending initiatives
- Commercially focused with the ability to evaluate opportunities and make data-driven decisions
- Comfortable operating as an individual contributor and leading through influence
- Strong stakeholder management and communication skills
- A proactive mindset with a passion for innovation and continuous improvement
What They Offer
- High-visibility role with direct exposure to senior leadership
- Opportunity to shape lending strategy and business growth
- Significant ownership and autonomy
- Collaborative and entrepreneurial working culture
- Clear opportunity to deliver measurable commercial impact
- Exposure to a broad range of strategic, product, and credit initiatives
How to Apply
If you’re a commercially minded credit risk professional who enjoys building new solutions and driving innovation within lending, apply today to discuss this opportunity in more detail.

To Apply for this Job Click Here
Principal Analytics Consultant
London
£90000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
PRINCIPAL CONSULTANT, CREDIT RISK & ANALYTICS
LONDON | £90,000 – £120,000 + BONUS + BENEFITS
This is an exciting opportunity to join a specialist financial services consultancy in a senior leadership role. You’ll lead high-profile credit risk and analytics engagements and play a key role in growing both the team and the wider practice.
THE COMPANY
They are an established consultancy specialising in risk, analytics, and data-driven decision making across financial services. Working with a broad range of lending and financial services clients, they deliver high-impact projects spanning risk modelling, portfolio analytics, forecasting, and business strategy.
THE ROLE
* Gain exposure with key stakeholders while also retaining ownership of project delivery
* Manage projects end to end across credit risk modelling, forecasting, portfolio analytics, and strategy development
* Opportunity to contribute to overall business management
* Mentor and develop consultants and analysts across the team
* Contribute to the growth and strategic direction of the wider business
YOUR SKILLS & EXPERIENCE
* Strong commercial experience within credit risk analytics, consumer lending, or SME lending
* Deep expertise in credit risk modelling, customer analytics, forecasting, portfolio analysis, or risk strategy
* Proven experience managing analytical projects and leading teams
* Strong technical skills in SQL, SAS, or Python
– Excellent communication skills with the ability to translate analytical insights into commercial recommendations
* Previous consulting experience is beneficial but not essential
WHAT THEY OFFER
* £90,000 – £120,000 base salary depending on experience
* Annual bonus scheme
* Contributory pension
* Hybrid working model
* Exposure to a diverse range of high-impact client projects
* Clear progression opportunities within a growing consultancy
* Collaborative and supportive culture with a strong focus on professional development
HOW TO APPLY
Please register your interest by sending your CV through the Apply link.

To Apply for this Job Click Here
Senior Data Scientist | Consumer Lending | Fintech
Salt Lake City
$126016.2 - $178522.95
+ Risk Analytics
PermanentSalt Lake City, Utah
To Apply for this Job Click Here
Senior Data Scientist | Fintech Lending | Growth, Pricing & Risk Analytics
Salt Lake City, UT (Hybrid)
Up to $170,000 + Bonus
We’re partnered with a high-growth fintech that has built something most lenders can only talk about: a truly connected dataset spanning marketing acquisition, underwriting, pricing, funding, and portfolio performance.
As a result, their Data Science team doesn’t operate in silos. This role sits at the intersection of growth, credit risk, and pricing strategy, using machine learning, experimentation, and advanced analytics to influence decisions across the full customer lifecycle.
You’ll own and evolve production models that shape:
- Lead valuation & acquisition strategy
- Credit approval and underwriting decisions
- Risk-based pricing
- Portfolio profitability
- Experimentation and decision optimisation
This is not a “build models and hand them over” environment. You’ll take solutions from concept through deployment and monitoring, partnering closely with Product, Engineering, and Business leaders.
You’ll likely have:
- 4-8 years in Data Science within lending, fintech, banking, insurance or adjacent sectors
- Strong Python & SQL skills
- Experience building predictive models used for commercial decision making
- Exposure to credit risk, underwriting, pricing, customer value, marketing science, or decision science
- Experience deploying or monitoring production models
- Strong experimentation/A-B testing mindset
- Cloud experience (AWS preferred)
Why people are interested:
- Direct commercial impact
- End-to-end ownership
- Strong investment in AI/ML
- Exposure across marketing, pricing and risk rather than a narrow modelling remit
- Visibility with senior leadership
- Fast-growing fintech environment
For experienced Data Scientists looking to move closer to commercial decision-making and business strategy, this is a genuinely interesting opportunity.

To Apply for this Job Click Here
Senior Credit Strategy Analyst
Salt Lake City
$146036.4 - $194715.2
+ Risk Analytics
PermanentSalt Lake City, Utah
To Apply for this Job Click Here
Senior Analyst – Portfolio Strategy
Salt Lake City, UT (Hybrid)
$120,000-$160,000 + bonus Fintech | Lending | Credit Strategy
We’re supporting a fast-growing fintech lender that sits at the intersection of pricing, credit, analytics, and portfolio strategy.
This is one of the highest-impact analytical seats in the business. You’ll help determine how credit and pricing decisions are made, measure their commercial outcomes, and influence senior leadership on strategy across origination, underwriting, offers, and portfolio performance.
You’ll work closely with Credit, Pricing, Data Science, Engineering, and executive stakeholders to answer questions such as:
- What is the true economic impact of a pricing change?
- Which customer segments should receive different offers?
- How is portfolio risk evolving across vintages and cohorts?
- Where are the highest-value growth and automation opportunities?
You’ll likely have:
- 5-8 years’ experience within credit analytics, risk strategy, pricing analytics, or portfolio strategy
- Lending, fintech, specialty finance, banking, or consumer/commercial credit experience
- Strong SQL and Python (pandas)
- Experience with vintages, cohorts, roll rates, losses, forecasting, and portfolio performance analysis
- Ability to influence commercial decisions and present to senior stakeholders
Desirable:
- Small business lending, MCA, revenue-based finance, unsecured lending
- Exposure to scorecards, decision engines, pricing systems
- AWS, dbt or modern AI tooling
This is a strong opportunity for someone who wants to move beyond reporting and become a genuine commercial decision-maker within a highly analytical, AI-forward business.

To Apply for this Job Click Here
Senior Credit Strategy Analyst
Miami
$146036.4 - $194715.2
+ Risk Analytics
PermanentMiami, Florida
To Apply for this Job Click Here
Senior Analyst – Portfolio Strategy
Miami, FL (Hybrid)
$120,000-$160,000 + bonus Fintech | Lending | Credit Strategy
We’re supporting a fast-growing fintech lender that sits at the intersection of pricing, credit, analytics, and portfolio strategy.
This is one of the highest-impact analytical seats in the business. You’ll help determine how credit and pricing decisions are made, measure their commercial outcomes, and influence senior leadership on strategy across origination, underwriting, offers, and portfolio performance.
You’ll work closely with Credit, Pricing, Data Science, Engineering, and executive stakeholders to answer questions such as:
- What is the true economic impact of a pricing change?
- Which customer segments should receive different offers?
- How is portfolio risk evolving across vintages and cohorts?
- Where are the highest-value growth and automation opportunities?
You’ll likely have:
- 5-8 years’ experience within credit analytics, risk strategy, pricing analytics, or portfolio strategy
- Lending, fintech, specialty finance, banking, or consumer/commercial credit experience
- Strong SQL and Python (pandas)
- Experience with vintages, cohorts, roll rates, losses, forecasting, and portfolio performance analysis
- Ability to influence commercial decisions and present to senior stakeholders
Desirable:
- Small business lending, MCA, revenue-based finance, unsecured lending
- Exposure to scorecards, decision engines, pricing systems
- AWS, dbt or modern AI tooling
This is a strong opportunity for someone who wants to move beyond reporting and become a genuine commercial decision-maker within a highly analytical, AI-forward business.

To Apply for this Job Click Here
Senior Credit Risk Analyst – Cashflow Data Scientist
$105013.5 - $147018.9
+ Risk Analytics
PermanentUtah
To Apply for this Job Click Here
Senior Credit Risk Analyst – Cashflow Data Scientist
Salt Lake City, UT (Hybrid)
Circa $140,000 + Bonus
I’m partnered with a profitable fintech lender that has built one of the most extensive SMB cash flow datasets in its market.
They’ve invested heavily in connected-account data and now sit on millions of bank transactions across funded merchants, declined applicants and broader prospect populations. The challenge? They’re only scratching the surface of what’s possible.
They’re looking for a Senior Analyst or Data Scientist to become the internal expert for transactional/open banking data and drive projects spanning credit risk, marketing and pricing:
- Marketing and Pre-Approved Offers
- Credit underwriting enhancement
- Pricing optimisation
- Portfolio monitoring & early warning systems
- Growth analytics
- Proactive renewals and Credit Line Increase
- AI-enabled analytical workflows
This isn’t a reporting role. You’ll partner directly with senior leadership to answer questions such as:
- Which merchants should we be approving or approving faster?
- Which portfolio segments are deteriorating before losses emerge?
- Where are we mispriced?
- What signals can drive growth that competitors are missing?
What we’re looking for:
✅ 2+ years working with Plaid, open banking or transactional banking data
✅ Strong SQL and Python
✅ Experience building features from transaction-level data
✅ Analytics experience within lending, fintech, credit, risk or adjacent sectors
✅ Ability to translate analysis into commercial decisions
Nice to have:
- Small business lending
- Machine Learning
- Portfolio monitoring
- Credit analytics
- AI/LLM tooling experience
The hiring manager is specifically interested in people who have used transactional data creatively, not just for risk, but also for growth, sales enablement and customer intelligence.
If you’ve worked with Plaid, Yodlee, DecisionLogic, MX, Finicity or similar datasets and enjoy turning messy financial behaviour into actionable business decisions, I’d be keen to speak.

To Apply for this Job Click Here
Senior Credit Risk Analyst – Cashflow Data Scientist
Dallas
$105013.5 - $147018.9
+ Risk Analytics
PermanentDallas, Texas
To Apply for this Job Click Here
Senior Credit Risk Analyst – Cashflow Data Scientist
Dallas / Plano, TX (Hybrid)
Circa $140,000 + Bonus
I’m partnered with a profitable fintech lender that has built one of the most extensive SMB cash flow datasets in its market.
They’ve invested heavily in connected-account data and now sit on millions of bank transactions across funded merchants, declined applicants and broader prospect populations. The challenge? They’re only scratching the surface of what’s possible.
They’re looking for a Senior Analyst or Data Scientist to become the internal expert for transactional/open banking data and drive projects spanning credit risk, marketing and pricing:
- Marketing and Pre-Approved Offers
- Credit underwriting enhancement
- Pricing optimisation
- Portfolio monitoring & early warning systems
- Growth analytics
- Proactive renewals and Credit Line Increase
- AI-enabled analytical workflows
This isn’t a reporting role. You’ll partner directly with senior leadership to answer questions such as:
- Which merchants should we be approving or approving faster?
- Which portfolio segments are deteriorating before losses emerge?
- Where are we mispriced?
- What signals can drive growth that competitors are missing?
What we’re looking for:
✅ 2+ years working with Plaid, open banking or transactional banking data
✅ Strong SQL and Python
✅ Experience building features from transaction-level data
✅ Analytics experience within lending, fintech, credit, risk or adjacent sectors
✅ Ability to translate analysis into commercial decisions
Nice to have:
- Small business lending
- Machine Learning
- Portfolio monitoring
- Credit analytics
- AI/LLM tooling experience
The hiring manager is specifically interested in people who have used transactional data creatively, not just for risk, but also for growth, sales enablement and customer intelligence.
If you’ve worked with Plaid, Yodlee, DecisionLogic, MX, Finicity or similar datasets and enjoy turning messy financial behaviour into actionable business decisions, I’d be keen to speak.

To Apply for this Job Click Here
Senior Credit Risk Analyst – Cashflow Data Scientist
Miami
$105013.5 - $147018.9
+ Risk Analytics
PermanentMiami, Florida
To Apply for this Job Click Here
Senior Credit Risk Analyst – Cashflow Data Scientist
Miami (Hybrid)
Circa $140,000 + Bonus
I’m partnered with a profitable fintech lender that has built one of the most extensive SMB cash flow datasets in its market.
They’ve invested heavily in connected-account data and now sit on millions of bank transactions across funded merchants, declined applicants and broader prospect populations. The challenge? They’re only scratching the surface of what’s possible.
They’re looking for a Senior Analyst or Data Scientist to become the internal expert for transactional/open banking data and drive projects spanning credit risk, marketing and pricing:
- Marketing and Pre-Approved Offers
- Credit underwriting enhancement
- Pricing optimisation
- Portfolio monitoring & early warning systems
- Growth analytics
- Proactive renewals and Credit Line Increase
- AI-enabled analytical workflows
This isn’t a reporting role. You’ll partner directly with senior leadership to answer questions such as:
- Which merchants should we be approving or approving faster?
- Which portfolio segments are deteriorating before losses emerge?
- Where are we mispriced?
- What signals can drive growth that competitors are missing?
What we’re looking for:
✅ 2+ years working with Plaid, open banking or transactional banking data
✅ Strong SQL and Python
✅ Experience building features from transaction-level data
✅ Analytics experience within lending, fintech, credit, risk or adjacent sectors
✅ Ability to translate analysis into commercial decisions
Nice to have:
- Small business lending
- Machine Learning
- Portfolio monitoring
- Credit analytics
- AI/LLM tooling experience
The hiring manager is specifically interested in people who have used transactional data creatively, not just for risk, but also for growth, sales enablement and customer intelligence.
If you’ve worked with Plaid, Yodlee, DecisionLogic, MX, Finicity or similar datasets and enjoy turning messy financial behaviour into actionable business decisions, I’d be keen to speak.

To Apply for this Job Click Here
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