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.
VP Credit Risk and Data Science
New York
$200000 - $300000
+ Risk Analytics
PermanentNew York
To Apply for this Job Click Here
VP Credit Risk – Data Science, Analytics & Strategy
Remote within US
No visa sponsorship
Up to $250,000 + Bonus
A fast‑growing SMB finance business is hiring a senior credit leader to help take an already‑strong credit operating system into its next phase.
The foundations are in place:
solid underwriting, established portfolio monitoring, deployed controls, and proven growth. The focus now is speed, automation, and intelligence – scaling ML‑driven decisioning so portfolio insights translate directly into automated offers, pricing, and limit actions across the credit funnel.
This role is designed to add deep external ML and analytics firepower to the organisation – not just to refine rules, but to help push credit strategy into the future and spearhead credit analytics for the organisation.
What you’ll be responsible for
- Owning credit policy and analytics across origination, portfolio monitoring, and customer management.
- Leading the next generation of ML‑driven credit models, including portfolio‑level modelling, monitoring, drift detection, and retraining strategy.
- Helping transition credit decisions toward increasingly automated offers and funnels, without sacrificing risk discipline.
- Translating portfolio signals into clear policy, pricing, and growth actions at speed.
- Partnering closely with Product, Engineering, and Operations to productionise analytics into decision engines.
- Acting as a visible senior leader and external benchmark for the credit and analytics team to aspire to.
What they’re looking for
- 8-12+ years in credit, decision science, analytics, or risk within fintech, SMB lending, cards, or adjacent data‑intensive environments.
- Very strong ML and analytics fundamentals, especially applied to portfolio‑level decisioning.
- Experience working in businesses where data and models directly drive live credit decisions.
- Comfortable moving beyond rule‑based credit toward more automated, model‑driven strategies.
- SMB experience preferred, but equally valuable is proven work in messy, real‑world credit environments.
- A leader who can both raise the technical bar and inspire the next layer of talent.
Why this role is interesting
- Credit and analytics fundamentals are already strong – this is about propelling the system forward, not rebuilding it.
- Significant scope to shape how ML is embedded into credit strategy over the next few years.
- High visibility role with real influence over product direction and growth.
- Opportunity to be the external reference point in a scaling credit organisation.
To Apply for this Job Click Here
Staff Data Scientist – Credit Risk & Marketplace
New York City
$255563.7 - $340751.6
+ Risk Analytics
PermanentNew York
To Apply for this Job Click Here
Staff Data Scientist – Credit Risk & Marketplace
Up to $280k base + significant equity
New York | In‑office (3-4 days/week)
We’re partnering with a Series A fintech building a credit‑led marketplace – a platform where data science sits at the heart of both credit decisioning and marketplace optimisation.
This is a rare opportunity to join at a stage where models are still being defined, not inherited. The team is hiring a Senior to Staff‑level Data Scientist to help shape the decision engine that determines who gets access to credit, how risk is priced, and how the marketplace allocates supply and demand.
They’re open to two backgrounds – but only at the very top end of the market:
- Credit / lending data scientists
- Elite marketplace data scientists (pricing, ranking, matching, experimentation)
- ✅ Successful Series A (o similar) experience is strongly preferred
Why This Role Is Different
Most DS roles optimise metrics. This one moves money. Your models will directly impact:
- Credit approval decisions
- Pricing and margin
- Portfolio performance and growth velocity
This is not a reporting or support role – it’s a core decision‑making seat for someone with a high grade ML / Data Science skillset.
What You’ll Do
- Design, build and iterate on credit underwriting and pricing models used in live production
- Tackle high‑stakes, constrained optimisation problems across credit and marketplace decisioning
- Apply causal and experimental thinking where clean A/B tests aren’t possible
- Own the full lifecycle: EDA → modelling → deployment, partnering closely with engineering
- Help define modelling standards, trade‑offs, and decision frameworks at an early stage
Who They’re Looking For
- Staff‑level Data Scientist
- Strong preference for successful Series A (or early Series B) experience
- Background in credit, lending, fintech, BNPL, or adjacent decisioning‑heavy domains like marketplace
- PhD or PhD‑level rigour strongly preferred (but not required if experience demonstrates depth)
- Strong Python & SQL; comfortable owning production‑facing logic
- Someone who thrives in ambiguity, speed, and ownership
Compensation & Logistics
- Base salary up to $280k (depending on level)
- Significant equity
- NYC based, 3-4 days in office
- No visa sponsorship
- If you’ve already helped scale a Series A company – and want to do it again with real ownership and influence – this is a rare opportunity.
To Apply for this Job Click Here
Senior Actuarial Analyst
London
£45000 - £50000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Actuarial Analyst
London, very flexible working
Salary 45-50,000
This is a rare opportunity to step into a highly autonomous role where you will own the capital modelling process for a growing insurance business. You will work closely with senior leaders, influence key decisions, and help build in‑house capability as the organisation scales.
The Company
They are a specialist insurer, established but growing and with a collaborative team. They combine a lean structure with strong technical expertise and a culture built around bright, driven people.
The Role
* Lead the maintenance and ownership of capital modelling across the business
* Work closely on reserving and pricing analysis
* Support Solvency II reporting and contribute to broader regulatory work
* Collaborate closely with pricing, actuarial and wider commercial teams to influence decisions
* Drive project work linked to business needs, solving complex problems with analytical approaches
* Play a key role as they transition capital models, solvency processes and actuarial reporting in‑house
Your Skills and Experience
* Strong commercial experience in pricing, capital modelling or reserving
* Coding capability in Python
* Experience in retail insurance
* Motivated, proactive and comfortable working independently in a fast‑paced environment
What They Offer
* Salary between 45-50,000 depending on experience
* Very flexible working, with the option to meet in London occasionally
* Study support for part‑qualified candidates
* High visibility across the business and genuine ownership of key modelling work
To Apply for this Job Click Here
Senior Actuarial Analyst
London
£45000 - £50000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Role Title
Senior Actuarial Analyst
Salary
£45,000-£55,000
Location + work pattern
London (flexible hybrid working)
THE COMPANY
- A forward-thinking insurance business focused on innovative and niche areas of the motor insurance market.
- Operating with a lean, high-calibre team, the company has invested heavily in its actuarial and pricing capabilities in recent years.
- The business takes a technology-driven approach, using modern tools to support growth and decision-making.
THE ROLE
This is a broad and hands-on actuarial role, with a strong focus on capital modelling alongside exposure to reserving and pricing. You’ll play a key role in supporting regulatory processes and providing insights that influence business strategy.
Specifically, you can expect to be involved in:
- Running and maintaining the internal capital model and supporting regulatory submissions
- Producing Solvency II reporting outputs and assisting with actuarial reporting processes
- Supporting reserving analyses and contributing to ongoing monitoring activities
- Developing forecasting and scenario analysis to support business decisions
- Collaborating with stakeholders across the business, including pricing and underwriting teams
YOUR SKILLS AND EXPERIENCE
- Experience in general insurance within actuarial, capital modelling, reserving or pricing
- Working knowledge of actuarial concepts and regulatory frameworks (e.g. Solvency II)
- Programming capability, ideally with Python
- Strong analytical skills with the ability to interpret and communicate results clearly
- A proactive attitude and ability to work independently in a fast-paced environment
THE BENEFITS
- High level of ownership and autonomy within your role
- Exposure to senior stakeholders and business decision-making
- Opportunity to work across multiple areas of actuarial (capital, reserving, pricing)
- Support for professional development and actuarial study
- Flexible working arrangements
THE PROCESS
- Initial 30-minute interview focused on experience and motivations
- Technical interview with actuarial team members
- Final interview with senior leadership focusing on culture and fit
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Lead Credit Risk Analyst
London
£80000 - £90000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior/Lead Credit Risk Analyst
Salary
£70,000-£90,000 + equity
Location + work pattern
London (Hybrid – 3 days per week in office)
THE COMPANY
This organisation is a rapidly scaling FinTech business focused on helping individuals better manage their finances. With a strong social impact focus and significant recent investment, they are expanding their lending capabilities and building a best-in-class credit risk function. The business operates at scale across the UK and internationally, offering a unique opportunity to work with rich behavioural and transactional data.
THE ROLE
You will play a key role in shaping and optimising credit strategy for an evolving lending portfolio, working within a collaborative and high-performing analytics team. This is an opportunity to take ownership of strategy development and drive meaningful business impact.
Specifically, you can expect to be involved in:
- Designing and optimising credit risk strategies aligned with business objectives
- Analysing complex data sets to uncover insights and inform decision-making
- Collaborating with cross-functional teams to implement and refine strategies
- Monitoring performance of credit strategies and identifying opportunities for improvement
- Enhancing affordability and risk policies to ensure strong customer outcomes
YOUR SKILLS AND EXPERIENCE
- Experience in credit risk analytics within a consumer lending environment
- Must be currently in a fintech environment
- Experience using analytics to build and adjust credit risk strategy in either acquisitions, collections or Existing customer management.
- Strong SQL skills, with experience using data to generate actionable insights
- Ability to structure and solve complex analytical problems
- Experience working in fast-paced, data-driven environments
- Strong communication skills with the ability to explain insights to stakeholders
THE BENEFITS
- Competitive salary and performance-related incentives
- Hybrid working model with flexible arrangements
- Comprehensive private healthcare and wellbeing support
- Generous annual leave allowance with additional flexibility
- Access to a wide range of lifestyle and salary sacrifice benefits
THE PROCESS
- Initial conversation with the hiring team
- Technical and competency-based interview
- Final stage in-person interview
- Offer!
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Credit Analyst
London
£50000 - £70000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Role Title
Credit Analyst
Salary
£50,000-£70,000
Location + work pattern
London (Hybrid – typically 2 days per week in office)
THE COMPANY
This organisation is a UK-based FinTech focused on helping customers manage and reduce personal debt through innovative lending solutions. They leverage open banking data to better understand customer behaviour and improve financial outcomes. With strong growth and a clear mission-driven approach, they offer an opportunity to make a meaningful impact within a modern lending business.
THE ROLE
This role sits within a data and lending function, focused on improving decision-making processes across credit and underwriting. You will play a key part in automating decisions and enhancing the accuracy of lending strategies through data analysis.
Specifically, you can expect to be involved in:
- Developing and improving automated credit decisioning and underwriting processes
- Analysing lending and customer data to optimise risk and approval strategies
- Collaborating with product, engineering, and credit teams to enhance decision systems
- Utilising open banking data to deepen customer insights and risk assessments
- Evaluating affordability and improving methodologies used in lending decisions
YOUR SKILLS AND EXPERIENCE
- Experience working in credit risk within a lending environment
- Strong understanding of underwriting and data-led decisioning processes
- Proficiency in SQL for data analysis and querying
- Ability to interpret data and communicate insights to both technical and non-technical teams
- Familiarity with affordability assessment or open banking data is beneficial
THE BENEFITS
- Competitive salary and equity options
- Private medical insurance
- Opportunity to work in a purpose-driven, high-growth FinTech
- Collaborative and data-focused working environment
THE PROCESS
- Initial screening interview
- Live technical assessment (SQL-based)
- Business case discussion
- Final interview focusing on business case and cultural fit
- Offer!
HOW TO APPLY
Please register your interest via the apply link on this page
To Apply for this Job Click Here
Credit Operations Analyst
London
£50000 - £70000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Credit Operations Analyst
London
£50,000 to £70,000
This is an opportunity to join a growing, data-led financial services business where you will directly influence how credit decisions are made at scale. The role offers strong exposure across credit, data, and product, with a clear focus on automation and impact.
The Company
They are a fast-growing, technology-driven financial services organisation focused on improving how consumers manage their finances. The business takes a data-first approach, using modern tools and customer insights to inform decision-making. With continued growth and investment in their data capabilities, they are building out a high-performing analytics and credit function.
The Role
You will work at the intersection of credit risk, data, and decisioning, helping to improve and automate lending processes.
- Develop and enhance automated credit decisioning and underwriting logic
- Analyse lending performance and identify opportunities to improve accuracy and efficiency
- Collaborate with product, engineering, and credit teams to reduce manual processes
- Use customer and transactional data to inform lending decisions
- Support improvements in affordability assessment and decision frameworks
- Contribute to building a scalable, data-driven credit operation
Your Skills & Experience
- Strong commercial experience in credit risk within a lending environment
- Experience working on underwriting, decisioning, or credit policy using data
- Strong SQL skills for data analysis and manipulation
- Ability to translate data insights into practical lending decisions
- Solid understanding of how credit decisions are made
- Exposure to affordability assessment or open banking data is beneficial
What They Offer
- Salary between £50,000 and £70,000
- Share options
- Private medical insurance
- Statutory pension
- Opportunity to join a growing business with strong career development potential
To Apply for this Job Click Here
Senior Financial Crime Analyst
Blackburn with Darwen
£45000 - £50000
+ Risk Analytics
PermanentBlackburn with Darwen, Lancashire
To Apply for this Job Click Here
Role Title
Senior Fraud and Financial Crime Analyst
Salary
£45,000-£50,000
Location + work pattern
North West England (hybrid, typically 3 days in office)
Brief intro
Harnham are working with
THE COMPANY
This organisation operates within a regulated financial services environment and is undergoing rapid growth following recent expansion initiatives. With a strong focus on innovation in payments and customer experience, the business offers a dynamic setting where teams can make meaningful, tangible impact. The structure combines the stability of a regulated firm with the agility of a scaling function.
THE ROLE
This is a newly created position focusing on fraud analytics within a payments environment, supporting the rollout of a new credit card product. You will work closely with cross-functional teams to optimise fraud controls, monitor performance, and deliver actionable insights.
Specifically, you can expect to be involved in:
- Monitoring fraud trends, identifying emerging risks, and analysing transaction data
- Developing and optimising fraud rules, controls, and decisioning strategies
- Producing dashboards, reporting packs, and regulatory MI
- Supporting testing, validation, and implementation of fraud solutions
- Collaborating with product, operations, and compliance teams to enhance fraud strategy
YOUR SKILLS AND EXPERIENCE
- Experience working in card fraud or payments fraud analytics
- Strong understanding of card transactions, fraud risks, and relevant regulations
- Proficiency in SQL or Python for data analysis and insight generation
- Experience working with fraud decisioning or fraud prevention platforms
- Ability to translate complex data into clear, actionable insights
THE BENEFITS
- Strong opportunities for career progression and development
- Exposure to high-impact projects within a growing payments function
- Collaborative environment with cross-functional mobility
- Hybrid working model supporting flexibility
THE PROCESS
- Initial 30-minute video interview
- Final face-to-face interview including a competency and technical assessment
- Offer!
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Senior Credit Risk Analyst
London
£60000 - £100000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Credit Risk Analyst
London
£60,000 to £100,000
This is a high impact opportunity to shape credit strategy within a fast growing fintech environment. You will work with complex, real world datasets and have genuine ownership over lending decisions, contributing directly to the growth and evolution of a modern financial platform.
The Company
They are a scaling, venture backed fintech operating at the intersection of financial services and technology. The business partners with large organisations to deliver digital financial solutions to a broad user base, with a strong emphasis on accessibility and responsible lending. With continued investment and international expansion underway, they are building out their data and analytics capabilities to support growth. The environment is collaborative, fast paced, and focused on using data to drive better outcomes.
The Role
- Defining and optimising credit risk strategies across evolving lending products
- Using SQL driven analysis to extract insights from complex behavioural datasets
- Developing and refining affordability and risk policies
- Collaborating with cross functional teams to implement and scale strategies
- Monitoring performance and driving continuous improvement across the lending portfolio
- Contributing to the development of new products and credit capabilities
Your Skills and Experience
- Strong commercial experience in credit risk analytics or strategy within consumer lending
- Proven ability to translate data into actionable insights and strategy
- Advanced SQL skills, with Python as a desirable addition
- Experience within unsecured lending products such as personal loans or credit cards
- Ability to structure complex problems and communicate clearly with stakeholders
- FinTech experience is a plus
What They Offer
- Base salary up to £100,000, depending on experience
- Equity package with long term growth potential
- Hybrid working model with three days per week in the London office
- Comprehensive benefits including private healthcare and flexible benefits schemes
- Clear progression opportunities within a scaling data and risk function
To Apply for this Job Click Here
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Industry Hub
HARNHAM
News & Blog
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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 &
AI.
Candidate – Digital Media and Analytics
I've recently got a short-term contract role through Harnham, and things couldn't have gone better! My recruiter was incredibly helpful throughout the entire process. They also provided incredible admin support so that I could focus on the actual job in hand, rather than having to spend too much time dealing with these matters.
Candidate /
Digital Media and Analytics
Candidate – Senior Data Engineer
I've been a Senior Data Engineer for about 4-5 years and Harnham is one of the best recruitment agencies I worked with. There was a time when my offer fell through and the recruiter I was working with at Harnham jumped in to the rescue and scheduled interviews for me within a couple of days. Really good agency and some great people.
Candidate /
Senior Data Engineer
Client – Director of Customer Data Science – Apparel
The team at Harnham have been outstanding in helping our company build a market-leading data science team. Harnham’s communication is great, and the recruiter’s take a consultative approach that’s really focused on provided value for both their clients and their candidates. They provide strong candidates that help us fill our roles with high achievers who are also a great fit for our culture.
Client /
Director of Customer Data Science – Apparel
Candidate – Data Analyst
I’ve had a great experience with Harnham. The recruiter provided great advice and ensured that I understood everything, and even followed up with me after I started my new role to see how I was settling in. I would recommend Harnham as a great recruitment company for anyone looking for a role in data and analytics.
Candidate /
Data Analyst
Client – Data Direction – Broadcast Media
I have worked with Harnham for over 2 years now as our main Analytics Recruiter partner and I am very pleased with the overall service and the people we have hired via Harnham. Harnham’s team is very good at understanding our recruitment needs and always come back with relevant and well scanned CVs, which saves me precious time.
Client /
Data Direction – Broadcast Media
Client – Director of People Operations
We’ve been collaborating with Harnham to recruit some key positions for our company, and they have been incredible partners. They team has been great and efficient. They understood our needs perfectly and provided us very talented candidates. We'll keep collaborating with them in the future. Thank you for your excellent job!
Client /
Director of People Operations
Candidate – Chief Data Officer
It was a real treat to work with Harnham. My recruiter consistently went above and beyond to ensure that I navigated through the recruitment process as smooth as possible. I had been in contact with other professional at Harnham in the past and I can attest that the level of professionalism is always top-notch.
Candidate /
Chief Data Officer
Candidate – Market Research Analyst
Thanks to Harnham, I am now in a role that suits me. My recruiter was able to quickly identify the skills I had to offer and match me up with his client. It was a win-win for everyone. I was given great advice throughout the process, and I also appreciated the follow-ups that I received.
