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.
Associate Analytics Consultant
London
£70000 - £75000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Associate Analytics Consultant
London (Hybrid – Monday to Thursday Office / Friday Remote)
Up to £75,000
THE COMPANY
This global data, analytics and technology business helps organisations make smarter lending decisions through market-leading credit data, analytics and consultancy. Working with banks, lenders, telecoms and other major organisations, they develop analytical solutions that improve customer acquisition, credit decisions and portfolio performance. Having recently migrated to the cloud and invested heavily in Python, it’s an exciting time to join a business known for its strong culture and excellent staff retention.
THE ROLE
As an Associate Consultant within the Client Analytics team, you’ll deliver consultancy projects for some of the UK’s largest lenders and financial services organisations. Working directly with clients, you’ll build credit scorecards, develop lending strategies and create statistical models using Credit Reference Agency (CRA) data to help businesses make better lending decisions.
This is a highly commercial, client-facing position where you’ll own analytical projects from discovery through to delivery, presenting insights and recommendations to senior stakeholders while balancing technical excellence with commercial impact.
You’ll be responsible for:
- Developing acquisition and behavioural credit scorecards using CRA data
- Building statistical and machine learning models including logistic and linear regression
- Designing and implementing credit strategies for new and existing customer portfolios
- Analysing large datasets using SQL and Python (or SAS)
- Delivering analytical consultancy projects for external clients across multiple industries
- Presenting technical findings and commercial recommendations to senior stakeholders
- Supporting clients to improve lending decisions through data-driven insights
The role covers the full modelling lifecycle, including sample design, performance analysis, reject analysis and strategy development.
YOUR SKILLS AND EXPERIENCE
You’ll ideally have:
- Experience developing credit scorecards within a credit risk environment
- Strong knowledge of Credit Reference Agency (CRA) data (Equifax, Experian or TransUnion)
- Credit risk experience across model development or strategy
- Strong SQL skills alongside Python or SAS (Python preferred)
- Experience with statistical modelling techniques such as logistic regression or machine learning
- Excellent communication skills with the ability to present to clients and senior stakeholders
THE BENEFITS
- Up to £75,000 salary
- Hybrid working (Monday-Thursday office, Fridays remote)
- Work with a wide range of clients across financial services, telecoms and beyond
- Opportunity to work on varied analytical consultancy projects rather than a single portfolio
- Modern cloud-based technology stack with increasing use of Python
- Strong career progression within a business known for long employee tenure
- Two-stage interview process with a fast turnaround
HOW TO APPLY
Please register your interest by sending your CV to Max Beadle at Harnham via the Apply link on this page.

To Apply for this Job Click Here
Risk Pricing Manager
London
£65000 - £80000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Risk Pricing Manager
London (Hybrid – 1 day per week on average)
£65,000-£80,000 + £5,000 Car Allowance
THE COMPANY
Join one of the UK’s leading digital insurers, investing heavily in pricing, data and analytics to transform how insurance products are priced. You’ll join a collaborative pricing function focused on using data, market trends and innovative techniques to improve commercial performance while delivering fair customer outcomes.
THE ROLE
You’ll lead a small team within the Home Risk Pricing function, helping deliver pricing strategy across home insurance products. This is a commercially focused role where you’ll enhance existing pricing models, analyse market trends and translate insights into pricing decisions rather than building models from scratch.
Working closely with the Home Analytics & Pricing team, you’ll review actuarial models, identify opportunities to improve pricing performance and ensure pricing strategies remain competitive in the market.
Responsibilities include:
- Lead and develop a small team of Pricing Analysts.
- Enhance and maintain existing pricing models.
- Deliver pricing strategy across Home Insurance products.
- Analyse claims, market and customer data to identify pricing opportunities.
- Review actuarial models and optimise how they are applied commercially.
- Work closely with the Home Analytics & Pricing team and wider stakeholders.
- Translate analytical insights into commercial pricing decisions.
- Drive continuous improvements using new data and market trends.
YOUR SKILLS AND EXPERIENCE
- Experience in Risk Pricing or Pricing within personal lines insurance.
- Home insurance experience is preferred, although Motor, Van, Bike or Travel insurance backgrounds will also be considered.
- Commercial pricing experience with the ability to interpret model outputs and deliver business insight.
- Python preferred (R also considered).
- SQL really useful.
- Previous leadership experience is advantageous, although candidates looking to step into management will also be considered.
- Strong analytical mindset with excellent stakeholder communication skills.
THE BENEFITS
- Salary up to £80,000 (£85,000 for exceptional management experience).
- £5,000 Car Allowance.
- Hybrid working (around one day per week in the office).
- Annual bonus.
- Private Medical Insurance.
- Up to 10% matched pension.
- 27 days holiday plus bank holidays, with the option to buy or sell leave.
- Excellent learning and career progression opportunities.
HOW TO APPLY
Please register your interest by sending your CV to Max Beadle at Harnham via the Apply link on this page.

To Apply for this Job Click Here
Data Scientist
London
£50000 - £60000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
DATA SCIENTIST
SALARY BETWEEN £50,000-£60,000
LONDON
HYBRID WORKING (ONCE A WEEK IN-OFFICE)
Harnham are working with an early-stage FinTech lender that is looking to hire a Data Scientist to join its growing credit function. This is an excellent opportunity for someone with strong quantitative skills to have a direct impact on lending decisions and help shape a business from an early stage.
THE COMPANY
This growing FinTech lender is building a modern lending platform that combines data-driven decision making with strong credit risk practices. Having recently secured funding and obtained the regulatory foundations needed for growth, the business is entering an exciting phase of expansion. Led by an experienced leadership team with a proven track record in consumer lending and financial services, the company offers the opportunity to join early, learn from industry experts, and play a key role in shaping the future of the business.
THE ROLE
As a Data Scientist, you will focus on credit risk, decisioning, and lending strategy. You will play a key role in developing and implementing analytical solutions that support lending decisions, pricing, affordability assessments, and portfolio performance.
Specifically, you can expect to be involved in the following:
- Building and monitoring credit risk scorecards, pricing models, and decisioning strategies.
- Developing analytical solutions using customer, transactional, and external data sources.
- Supporting affordability analysis, portfolio monitoring, and performance reporting.
- Enhancing lending policies and strategies through data-driven insights.
- Collaborating with commercial, product, and technology teams to improve lending outcomes.
SKILLS AND EXPERIENCE
The successful Data Scientist will have the following skills and experience:
- A strong academic background with a degree in a quantitative STEM discipline.
- 2-4 years of experience in Data Science, Credit Risk Analytics, or a related quantitative field.
- Experience within financial services, lending, insurance, or a similarly regulated environment.
- Strong Python and SQL skills.
- Knowledge of statistical modelling and machine learning techniques.
- Ability to communicate analytical findings clearly to both technical and non-technical stakeholders.
BENEFITS
The successful Data Scientist will receive a salary up to £60,000.

To Apply for this Job Click Here
Pricing Lead
London
£80000 - £90000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
PRICING LEAD
SALARY BETWEEN £80,000-£90,000
LONDON
HYBRID WORKING (ONCE A WEEK IN-OFFICE, BUT CAN FLEX TO ONCE A MONTH)
Harnham are working with a specialist insurance provider that is continuing to invest in its pricing and analytics capabilities. This is an exciting opportunity for an experienced pricing professional to take ownership of a broad remit spanning pricing, analytics and fraud within a growing business.
THE COMPANY
This specialist insurance provider has undergone significant transformation in recent years, investing heavily in its pricing, underwriting and analytics capabilities. Operating within the personal lines insurance market, the business has built a strong reputation for combining technical excellence with a modern, technology-led approach. With a lean and highly capable team, the organisation offers an agile environment where employees have the opportunity to make a visible impact and work closely with senior decision-makers.
THE ROLE
As a Pricing Lead, you will take ownership of pricing capability across multiple products. Working closely with senior stakeholders, you will play a key role in shaping pricing strategy, developing analytical frameworks and supporting wider business growth.
Specifically, you can expect to be involved in the following:
- Leading the development and enhancement of pricing models and rating strategies.
- Building and maintaining pricing processes, governance frameworks and monitoring capabilities.
- Delivering portfolio analytics and performance insights to support commercial decision-making.
- Developing fraud analytics capabilities and integrating insights into pricing and underwriting processes.
- Partnering with underwriting, claims, data and technology teams to deliver business change.
SKILLS AND EXPERIENCE
The successful Pricing Lead will have the following skills and experience:
- 5+ years’ experience within personal lines pricing, ideally within motor insurance.
- Strong Python skills with experience building pricing models and analytical solutions.
- Solid understanding of pricing methodologies, including statistical and machine learning techniques.
- Experience working with rating engines and implementing pricing changes.
- Ability to communicate technical findings to both technical and non-technical stakeholders.
- Comfortable working independently within a fast-paced, evolving environment.
- Strong academic background in a quantitative discipline.
BENEFITS
The successful Pricing Lead will receive a salary up to £90,000 as well as a discretionary bonus.

To Apply for this Job Click Here
Pricing Lead
£80000 - £90000
+ Risk Analytics
PermanentEngland
To Apply for this Job Click Here
Pricing Lead
Remote based within UK
£80,000 to £90,000
This is an excellent opportunity for a Pricing Lead to join a growing insurance business where pricing plays a central role in commercial decision-making. You’ll work in a highly visible position with the freedom to shape processes, influence strategy, and take ownership of key pricing capability across the organisation.
The Company
They are a specialist insurer operating within the UK personal lines market. With a modern, technology-driven approach and a strong focus on analytics, they have continued to grow while maintaining a lean and highly capable team. The business values innovation, autonomy, and collaboration, giving employees direct exposure to senior decision-makers and strategic initiatives.
The Role
- Own and develop pricing models, methodologies, and rating approaches across the portfolio.
- Lead enhancements to pricing processes and pricing infrastructure.
- Use Python to develop, refine, and monitor pricing models.
- Support rating engine development and deployment.
- Deliver analytics across pricing performance, underwriting, and portfolio management.
- Develop fraud analytics capabilities and integrate insights into pricing decisions.
- Partner with senior stakeholders to translate technical findings into commercial recommendations.
- Collaborate with teams across underwriting, technology, and the wider business.
- Help shape the future direction of pricing capability as the organisation continues to grow.
Your Skills & Experience
- Strong commercial experience in personal lines pricing, ideally motor insurance.
- Proven pricing modelling experience and understanding of rating methodologies.
- Strong Python skills for analytics and model development.
- Knowledge of pricing governance and the UK insurance market.
- Ability to work independently, influence stakeholders, and communicate technical findings clearly.
- Experience with fraud analytics or rating engine deployment is advantageous.
What They Offer
- Salary of £80,000 to £90,000.
- Annual bonus scheme.
- Flexible hybrid working with occasional meet-ups in London.
- Exposure to senior leadership and strategic business decisions.
- Broad remit spanning pricing, analytics, and fraud.
- Opportunity to shape a growing function and develop your career in a high-impact environment.
- Private medical insurance, life assurance, and generous holiday allowance.

To Apply for this Job Click Here
Senior Credit Risk Analyst
hertfordshire
£50000 - £60000
+ Risk Analytics
PermanentHertfordshire
To Apply for this Job Click Here
Senior Credit Risk Analyst
Hertfordshire (2 days)
£50,000 – £60,000
This is an excellent opportunity for a Senior Credit Risk Analyst to join a growing credit risk function where you can make a genuine impact across customer acquisition, credit strategy, portfolio performance, and risk optimisation. The role offers broad exposure, significant ownership, and the chance to help shape the future direction of a developing team.
The Company
They are a well-established financial services organisation operating within a regulated lending environment. Combining the stability of a larger group with the agility of a specialist team, they offer a collaborative and supportive culture where employees can make a visible impact. Following recent growth within their Credit Risk function, they are continuing to invest in data-driven decision making and risk strategy. This role offers the opportunity to contribute to key business decisions while developing your expertise across multiple areas of credit risk.
The Role
- Optimise customer acquisition and onboarding strategies using bureau data and credit risk insights
- Enhance and refine credit decisioning and affordability assessments
- Implement and improve scorecard-driven credit strategies
- Monitor portfolio performance and identify opportunities to improve risk outcomes
- Support IFRS9 and broader credit risk activities
- Produce management information, reporting, and analytical recommendations for senior stakeholders
- Collaborate with teams across credit, operations, compliance, and risk
- Lead analytical projects designed to improve customer outcomes and portfolio performance
Your Skills & Experience
- Strong commercial experience within Credit Risk Analytics or Credit Strategy
- Experience working on acquisition, onboarding, or customer decisioning strategies
- Hands-on experience using credit bureau data to support lending decisions
- Exposure to credit scorecards and strategy implementation
- Strong SQL skills
- Experience analysing large datasets and translating findings into business recommendations
- Excellent communication and stakeholder management skills
Desirable:
- SAS, Python, or Power BI experience
- Exposure to IFRS9, affordability, or portfolio analytics
What They Offer
- Salary of £50,000 – £60,000
- Hybrid working with 2 days per week in the office
- Broad exposure across multiple areas of credit risk
- Opportunity to develop a specialist area of expertise while maintaining varied responsibilities
- Clear career progression within a growing credit risk function
- Supportive and collaborative team environment

To Apply for this Job Click Here
Senior Product Manager – Collections
London
£80000 - £100000
+ Risk Analytics
PermanentEngland
To Apply for this Job Click Here
Senior Product Manager, Collections & Recoveries
Remote within UK
£80-£100,000 + benefits
This is an opportunity to take ownership of a critical product area within a mission-led, African-founded fintech . You’ll shape the future of collections and recoveries, bringing a strategic vision to a growing team while delivering meaningful outcomes for both customers and the business.
The Company
Our client is a technology-driven financial services business focused on delivering accessible, responsible financial products to underserved markets. They combine data, digital platforms, and customer-centric thinking to support sustainable growth for their customers.
As the business continues to scale, they are investing in their product capability and looking for an experienced product leader to bring specialist collections and credit expertise into the organisation.
The Role
You will own the strategy, roadmap, and performance of the collections and recoveries product domain, working closely with Operations, Credit Risk, Data, and Engineering teams.
Key responsibilities include:
- Defining and delivering the collections and recoveries product strategy
- Building scalable tools and workflows that improve operational effectiveness
- Developing customer segmentation and early-warning capabilities alongside Risk and Data teams
- Enhancing repayment journeys across digital and assisted channels
- Driving automation and reducing manual operational processes
- Using experimentation and analytics to improve repayment, recovery, and customer outcomes
- Establishing clear KPIs, reporting frameworks, and success measures
- Influencing senior stakeholders across Product, Operations, Risk, and Technology
- Supporting the development of more proactive and customer-focused collections approaches
- Mentoring and guiding junior product team members
Your Skills & Experience
- Strong product management experience within banking, lending, fintech, payments, or financial services
- Direct experience with collections, recoveries, credit servicing, or lending products
- Proven success delivering transformation initiatives within collections or customer repayment environments
- Experience building and scaling data-led products and operational tooling
- Ability to translate complex business challenges into impactful product solutions
- Strong stakeholder management and communication skills
- Working knowledge of SQL and product analytics
- Experience with payments platforms, mobile money, or credit products would be advantageous
- Exposure to responsible lending, financial inclusion, or customer protection initiatives is beneficial
What They Offer
- Salary up to £100,000
- Wider benefits package including bonus
- Travel to Kenya (headquarters) for team collaboration
- High levels of ownership and influence within a growing product organisation
- Opportunity to define the future direction of collections and recoveries products
- Exposure to senior leadership and strategic decision-making
- Career growth within a scaling fintech environment
A purpose-driven culture focused on delivering positive customer outcomes

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Lead Credit Risk
Leicester
£55000 - £65000
+ Risk Analytics
PermanentLeicester, Leicestershire
To Apply for this Job Click Here
Lead Credit Risk Analyst
Location: Leicester (Hybrid – 1 day per week in the office)
Salary: Up to £65,000 + Benefits
THE COMPANY
This is an exciting opportunity to join a leading consumer lending business as part of a growing Credit Risk function. Working within a collaborative team, you’ll play a key role in shaping lending strategies, improving customer outcomes and supporting business growth through data-driven decision making. With a range of transformation projects underway, it’s an excellent time to join a business investing heavily in its Credit Risk capability.
THE ROLE
As a Lead Credit Risk Analyst, you will develop and optimise lending strategies across an existing customer portfolio, balancing commercial growth with responsible lending.
Key responsibilities include:
- Develop and implement lending, affordability and credit limit strategies.
- Analyse portfolio performance to identify risks and commercial opportunities.
- Design and evaluate strategy tests to improve customer outcomes.
- Deliver portfolio analysis, MI and customer trend reporting.
- Work closely with modelling teams to implement strategic changes.
- Support the rollout of a new behavioural scorecard and credit decisioning system.
- Present strategic recommendations to senior stakeholders.
- Collaborate across the wider business to deliver key Credit Risk projects.
YOUR SKILLS AND EXPERIENCE
- Experience within Retail Credit Risk or Consumer Lending (e.g. credit cards, loans or mortgages).
- Experience working on Existing Customer Management (ECM), acquisition or lending strategies.
- Knowledge of credit limit management, affordability or pricing strategy.
- Strong SQL skills.
- Exposure to SAS or Python is advantageous.
- Excellent analytical, communication and stakeholder management skills.
THE BENEFITS
- Salary up to £65,000.
- Hybrid working (1 day per week in the office).
- Opportunity to work on high-impact Credit Risk transformation projects.
- Collaborative team with excellent learning and career progression opportunities.
- Exposure to a broad range of Credit Risk initiatives and strategy work.
HOW TO APPLY
Please register your interest by sending your CV to Max at Harnham via the Apply link on this page.

To Apply for this Job Click Here
Lead Credit Risk Analyst
Leicester
£55000 - £65000
+ Risk Analytics
PermanentLeicester, Leicestershire
To Apply for this Job Click Here
Lead Credit Risk Analyst
Leicester (Hybrid) | Up to £65,000
Are you a Credit Risk Analyst looking to take ownership of lending strategy within a large-scale consumer credit environment? This is an opportunity to join a highly established organisation with a significant lending portfolio, where you’ll influence customer credit decisions, optimise commercial performance, and shape strategy through data-driven insights.
The Company
This organisation is a market-leading consumer business with a substantial financial services function supporting millions of customers. They operate a large-scale credit portfolio and use advanced analytics to drive responsible lending decisions and enhance customer outcomes. With continued investment in data and analytics, they offer a collaborative environment where analytical talent plays a central role in business decision-making. Based in Leicester, they offer a flexible hybrid working model.
The Role
As a Lead Credit Risk Analyst, you will sit within the existing customer strategy team, focusing on the ongoing management and optimisation of customer lending decisions.
Responsibilities include:
- Developing and enhancing credit risk strategies for existing customers
- Analysing customer behaviour, spending patterns, and portfolio performance to identify opportunities and risks
- Making recommendations around credit limits, pricing, affordability, and interest rate strategies
- Designing and evaluating strategy changes through detailed analytical investigations
- Delivering insights and recommendations to stakeholders across risk and commercial functions
- Using data to balance customer outcomes, portfolio performance, and business growth
- Supporting the implementation and monitoring of lending strategies across the customer lifecycle
Your Skills & Experience
- Strong commercial experience within retail credit risk, consumer lending, or financial services
- Experience developing, influencing, or optimising credit risk strategies
- Background in existing customer, in-life, affordability, credit limit, pricing, or portfolio strategy analytics
- Advanced SQL skills for data extraction and analysis
- Experience with SAS and/or Python
- Strong analytical and problem-solving capabilities
- Ability to communicate complex findings clearly to both technical and non-technical stakeholders
- Experience working with large customer datasets and translating insights into business action
What They Offer
- Opportunity to lead impactful credit risk strategy initiatives
- Exposure to a large and sophisticated consumer lending portfolio
- Strong career development opportunities within an established analytics function
- Collaborative environment with access to experienced credit risk professionals
How to Apply
If you’re an experienced Credit Risk Analyst looking to move into a highly visible strategy-focused role, please apply with your CV to discuss the opportunity in more detail.

To Apply for this Job Click Here
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Industry Hub
HARNHAM
News & Blog
With over 10 years experience working solely in the Data & AI sector our consultants are able to offer detailed insights into the industry.
Visit our Blogs & News portal or check out our recent posts below.
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