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.
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 & Analytics recruitment business with teams that only focus on niche areas.

Credit Risk Modeller
£40000 - £63000
+ Risk Analytics
PermanentLondon
Credit Risk Modeller
London
£40,000 – £63,000
A varied role focusing mostly on Credit Risk Model development in the retail banking space. Use SAS to develop regulatory models with a focus on PD, LGD, EAD (for IFRS9 and IRB) as well as Stress testing. Work with a variety of different data sources and provide hands-on Credit Risk Modelling solutions at an established bank!
THE COMPANY:
A large but flat-structured bank with excellent financial performance seeking to further grow its Credit Risk Modelling team.
THE ROLE:
- Development of Credit Risk Models (using SAS, Python, R) within the consumer banking space
- Development, optimisation and validation of PD, LGD, EAD models for IFRS9 and IRB purposes
- Deliver own analysis and modelling projects and work with others in the team to deliver larger projects as required
YOUR SKILLS AND EXPERIENCE:
- Experience developing Credit Risk Models using SAS, Python or R
- Experience developing PD, LGD, EAD models
- Numerate degree from a recognised university
- Strong communication skills and ability to communicate to non-technical audiences
BENEFITS
- Exposure to a variety of businesses and stakeholders
- From scratch model development
- Explore machine learning techniques
- Up to £63,000 + 10% bonus
KEYWORDS:
Credit Risk, SAS, Modelling, Scorecards, Basel II, IRB, PD, LGD, EAD, Portfolio Management, Strategy, Collections Strategy, ICAAP, Stress testing, IFRS9, Pillar 2, CESM, TRIM

Fraud Data Scientist
£38000 - £50000
+ Risk Analytics
PermanentLondon
Fraud Data Scientist
London or Midlands
Hybrid
Up to £50,000
The Company
An opportunity to work at one of the biggest banks in the UK that are implementing next-generation software to help with fraud prevention using SAS, SQL, and/or Python. This is an amazing chance to help take your career to the next level and work on industry-leading projects.
The Role
As a Fraud Data Scientist, you will be:
- Working within a team to develop fraud prevention models.
- Running rules and testing the models to enhance their ability to spot fraud trends.
- Helping drive strategic and tactical changes.
- Communicating between the stakeholders to help drive improvements to the systems and improve the model efficiency.
Your skills and experience
For you to be successful as a Fraud Data Scientist, you will need:
- Strong ability to use SAS, SQL, or Python
- A fraud analytics background
- Experience developing fraud models
- A numeric degree
- Experience as a fraud data scientist
Benefits
Up to £50,000 + competitive benefits
HOW TO APPLY
Please register your interest by sending your CV to Sean Tunley via

Credit Risk Impairment Manager
£60000 - £75000
+ Risk Analytics
PermanentLondon
Credit Risk Impairment Manager
London
Up to £75,000
A fast-growing established London lender is seeking a Credit Risk Manager with experience working with IFRS9 models or impairment to lead their impairment analysis function. If you are a daily SAS or Python user, with good IFRS9 knowledge who enjoys end-to-end ownership over projects and presenting the results to stakeholders this could be a great role for you. The role offers a step into management with leadership over an analyst
The company enjoys a unique office culture.. High-paced and challenging yet informal with little red tape. The role will suit a self-starter who likes the Analytical elements as well as the Financial side. A new role in a growing, you will play a key role in optimising Impairment and minimising Credit Losses through analysis of the capital numbers.
THE ROLE:
- Produce Provision and Impairment forecasts for quarterlies, budgets etc
- Compile and produce management reports with relation to Provisions and Impairment Forecasts
- Drive understanding of impairment movement levers which will in turn inform the improvement of the IFRS9 based impairment methodology
- Develop stress testing models for internal and regulatory purposes
- Monitor and report on expected loss models
- Deep dive into forecasting numbers and perform trend analysis to understand the Impairment and Provisioning data and produce insights on same
- Extensive stakeholder engagement duties including communicating analysis and findings with senior management and internal teams
YOUR SKILLS AND EXPERIENCE:
- University degree in a numerate discipline from an accredited University
- Experience working in an analytical role in a Credit Risk or related financial function
- Strong SAS or other programming skills required
- Experience working in an impairment role or developing IFRS9 models is required
BENEFITS:
- Up to £75,000
- 20% bonus
- No red tape environment with freedom to own projects from start to finish
- Growing company with great progression prospects
HOW TO APPLY:
Use the apply feature on this page!!
KEYWORDS:
Credit Risk Analytics, Capital and Impairment, Provisions, Reporting, Forecasting, SAS, SQL, Excel, IFRS9, IAS, IFRS, Accounting, Collections, Loss Forecasting, Cash Recovery,

Head of Collections Strategy and Analytics
£80000 - £100000
+ Risk Analytics
PermanentLondon
Head of Collections Strategy
London
Up to £100,000 + Equity
You’ll be accountable for the Collections Strategy at a fast-paced fin-tech lender. There is little red tape here so it’s the chance to come in and have a big impact! You will lead a small team using data to optimise Collections and Recoveries strategies and processes.
THE COMPANY
An innovative digital lender is looking for an experienced collections strategy specialist to manage its Collections strategy and everything from pre-arrears to collections and recoveries to debt sale.
THE ROLE:
- Lead a small team of collections strategy analysts
- Design and deliver world-class collections processes based on data analysis
- Lead the development of the collections strategy and policy
- Monitor the performance of the collections strategy
- Communicating the collections strategy and gaining buy-in from stakeholders across the business
- Use SQL (and SAS or Python) to analyse customer data and drive insight for strategy optimisation and customer satisfaction
YOUR SKILLS AND EXPERIENCE:
- Educated to degree level (2.1 minimum) from a Russell Group University preferred
- Strong A-levels in numerate disciplines would be another nice to have
- Experience driving strategy development and changes in Collections in essential
- Experience working in an analytical role in Collections and Recoveries
- Strong stakeholder and communication skills
- Competent with SQL, Python, SAS or similar
- Ability to manipulate and analyse large sets of customer and/or third-party data
BENEFITS:
- Join an ambitious company with a top-grade analytics function
- Laid-back environment with flexible working options
- Up to £100,000 with 20% bonus
KEYWORDS:
Credit Risk Analyst, Strategy, Portfolio, Python, R, SAS, SQL, Credit Card, Collections, Analysis, SAS, Insights, Policy, Loans, Portfolio Analytics, Recoveries

Senior Impairment Analyst
£50000 - £60000
+ Risk Analytics
PermanentWest Midlands
SENIOR IMPAIRMENT ANALYST
£60,000
WEST MIDLANDS
THE COMPANY
This company are a personal and collaborative business who are very well established. This role has the unique opportunity to lead their impairment function and act as an SME for the business, working closely with senior stakeholders and C-suite members on interesting and unique lending across their books.
THE ROLE
This position will see you act as an SME for the impairment models across the business:
- Lead monitoring of impairment models and the enhancement, validation and re-calibration of these models
- Work across the business more broadly on governance, controls, and reporting for these models
- Have a broad understanding of impairment impacts across the business and products
- Broader day-to-day management of impairment models across the bank
- Perform ad-hoc analysis as required and assist with interesting lending questions
YOUR SKILLS AND EXPERIENCE
This company is seeking someone with:
- Good knowledge and experience using R
- Desirable to have experience using SQL
- Prior experience in working with impairment models and reporting
- Experience in consumer lending or retail banking
SALARY AND BENEFITS
- Up to £60,000 base salary
- Pension contribution scheme
- Discretionary bonus
- Hybrid work model
- Private medical cover
HOW TO APPLY
Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

Decision Systems Analyst
£35000 - £50000
+ Risk Analytics
PermanentLondon
DECISIONS SYSTEMS ANALYST
£60,000 (LOCATION DEPENDANT)
LONDON/LEEDS
THE COMPANY
This company is a leader in the finance space, offering a broad range of credit products to its customers and partnering with a number of well-known brands. This award-winning business is forging a new path in consumer finance and this is an exciting opportunity to be part of an innovative and growing team.
THE ROLE
This role will see you focus on decisions systems across a range of products, involving:
- Configuring systems and models within the bank
- Programming decision systems across product applications and decisions
- Testing these decision systems to ensure profitability and drive business performance
- Contributing to wider ad hoc analysis across the business
- Chance to use Provenir across your work
YOUR SKILLS AND EXPERIENCE
- Knowledge of and experience using SAS, Blaze, Triad, Powercurve or similar
- Prior experience in decision systems
- Strong communication and presentation skills
- Educated to at least degree level in a numerate degree
SALARY AND BENEFITS
- Up to £60,000 base salary
- Hybrid work model
- Pension contribution scheme
- Discretionary bonus
- Broad benefits scheme including private medical cover
HOW TO APPLY
Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

Senior Credit Risk Analyst
£50000 - £65000
+ Risk Analytics
PermanentBirmingham, West Midlands
SENIOR CREDIT RISK ANALYST
UP TO £65,000
BIRMINGHAM
I’ve partnered with a data-driven lender who is looking for a Senior Credit Risk Analyst to join their restructured business. You will get more chances to work across a variety of products and interesting ECL models.
THE COMPANY:
The business is well-renowned for being a collaborative force within the lending space. With a great work-life balance, this is also a great role for someone looking to take a step up in their career.
THE ROLE:
As a Senior Credit Risk Analyst, you’ll be involved in the following:
- Get full oversight of the firm’s ECL models
- Lead the monthly monitoring of all of their models
- Work across a fascinating mortgage and lending portfolio
- Take advantage of the company’s exciting new restructure
- Look at their wider lending portfolio
YOUR SKILLS AND EXPERIENCE:
The successful Senior Credit Risk Analyst will have the following skills and experience:
- Strong R skills
- SQL background
- Lots of exposure to impairment models
- Understanding of model outputs
- Excellent communication skills
THE BENEFITS:
You will receive the following benefits:
- Flexible working environment
- Get exposure to a variety of models
- Work with a team of caring individuals
- Take advantage of an excellent work/life balance
HOW TO APPLY:
Please register your interest by sending your CV to Kai Nicholls via the Apply link on this page.

Specialist, Transactional Fraud
£45000 - £49000
+ Risk Analytics
PermanentLondon
Specialist in Transactional Fraud
Up to £49,000
Hybrid
London
This is an amazing opportunity to develop and apply your fraud knowledge and fraud analytics skills to a role at a top financial services company to help drive down fraud rates. You will be working on next-generation software within the role.
The Role
As a Specialist in Transactional Fraud, you will be:
- Spotting new fraud trends across fraud systems
- Developing new fraud strategies to mitigate fraud
- Test the effectiveness of current fraud prevention models
- Working alongside both internal and external partners
- Create new ways to stop and prevent fraud using your analytical skills
Your skills and experience
To be successful as a Specialist in Transactional Fraud, you will need:
- Working experience using SQL and Python
- Strong ability to use all of Microsoft Office software
- 2 + years working within fraud analytics
- An analytical mindset
- Numeric Degree from a top university
- Experience using Tableau or Power BI
Benefits
Up to £549,000 + comprehensive benefits package
HOW TO APPLY
Please register your interest by sending your CV to Sean Tunley via

Credit Insight Analyst
£35000 - £45000
+ Risk Analytics
PermanentLondon
CREDIT INSIGHT ANALYST
£35,000-£45,000
LONDON
Do you want to work for a company that prides itself on its positive presence in the commercial lending space? As a Credit Insight Analyst, you will play an integral part in helping the business become more efficient and proactive in its collection strategies.
THE COMPANY:
With the major financial backing from a funding house, you will be working for a firm that is growing on an incredible trajectory year by year. As a Credit Insight Analyst, you will work under the guidance of one of the only data-driven credit management companies
THE ROLE:
As a Credit Insight Analyst, you will:
- Use SQL to focus on their black book analysis
- Optimise collection strategies and third-party data
- Help the company become more efficient in their purchasing and collection strategies
- Develop new customer contact strategies alongside their decision scientists
- Deliver insights into forecasts and the development of MI that is undertaken
SKILLS AND EXPERIENCE:
The successful Credit Insight Analyst will have the following skills and experience:
- Minimum 2:1 university degree in a numerate subject
- Bigger picture players with a commercial mindset and strategic outlook
- Proficient in using SAS, SQL, Python, or R on a day-to-day basis
- Must have come from a debt/credit risk background
- Able to build relationships with stakeholders and senior figures in the company
BENEFITS:
The successful Credit Insight Analyst will receive the following benefits:
- £35,000-£45,000
- 25+ days holiday
- Flexible working environment
- Private medical insurance
- Discounted gym membership
HOW TO APPLY:
Please register your interest by sending your CV to Kai Nicholls via the Apply link on this page.

CAN’T FIND THE RIGHT OPPORTUNITY?
GET IN TOUCH
today
If you can’t see what you’re looking for right now, send us your CV anyway – we’re always getting fresh new roles through the door.
Industry Hub
HARNHAM
News & Blog
With over 10 years experience working solely in the Data & Analytics sector our consultants are able to offer detailed insights into the industry.
Visit our Blogs & News portal or check out our recent posts below.
The Benefits and Challenges of Contract Jobs
In the last few years, there’s been a significant increase in contract roles across the U.S., particularly…
A First-Timers Guide to Contract Work
If you are reading this article, you have decided to join the growing number of data and analytics professionals in the freelance market. As daunting as this…
A Snapshot of the Dutch Cloud Market
Across all industries, migration to the cloud is at an all-time high. In Europe, about 46 per…
How Fraud Analytics Can Keep Your Money Safe
How Fraud Analytics Can Keep Your Money Safe We’ve previously written about how data analytics can help…
Resume Tips for Professionals in Risk Analytics
Resume Tips for Professionals in Risk Analytics There are a number of online guides about how to…
How to Break into the Data Industry: Career Advice from Analytics Manager Simon Kelly
The Data and Analytics market is growing rapidly. By 2030, the global market size for Data and…
Reasons to Feel Optimistic about the U.S. Economy
There’s been a lot of negative rhetoric in the media about the state of the U.S. economy….
Using Data to Optimise Supply Chains
Using data to optimise supply chains The ripple effects of Brexit and pandemic restrictions continue to affect…
Six Tips on How to Create a Data-Driven Marketing Strategy 
Six tips on how to create a data-driven marketing strategy Data-driven marketing is an approach businesses can…
The State of Data Recruitment in the Netherlands
The data market in the Netherlands is already significant. However, it’s expected to grow even larger over…
Testimonials
Client and
candidate
testimonials
A trusted partner of professionals
across the globe.
We understand the challenges our
customers face and offer the
recruitment solutions needed to drive
business success through Data &
Analytics.