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 Manager of Valuations
London
£120000 - £150000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR MANAGER – VALUATIONS
£120,000 TO £150,000 + BENEFITS
LONDON
HYBRID WORKING POLICY – 2/3 DAYS A WEEK IN OFFICE
Join a fast-scaling, data driven financial services business as a Senior Manager of Valuations, leading the development of advanced modelling frameworks that shape lending strategy and drive commercial decisions across the business.
THE COMPANY
This innovative lender is redefining how credit products are developed and delivered, using data and technology to provide smarter, more accessible financial solutions. With strong growth and continued investment in analytics capability, the business offers a highly collaborative environment that prioritises data led decision making.
THE ROLE
As a Senior Manager of Valuations, you will lead the evolution of valuation modelling across multiple lending products, moving towards more sophisticated frameworks that better support strategic decisions across the lending lifecycle.
Specifically, you can expect to be involved in the following:
- Leading the strategic direction of valuation modelling across the organisation
- Overseeing the development of account-level NPV models across lending products
- Enhancing and simplifying existing valuation frameworks
- Driving the roadmap for future valuation capabilities
- Supporting key initiatives including new product launches and portfolio strategy
- Promoting best practice within Python based modelling environments
SKILLS AND EXPERIENCE
The successful Senior Manager will have the following skills and experience:
- Strong experience in valuations or NPV modelling within retail lending
- Experience leading and developing high-performing teams
- Strong Python or similar technical modelling experience
- Commercial awareness and problem-solving capability
- Experience working in fast paced, high growth environments
BENEFITS
The successful Senior Manager will receive up to £150,000 as well as a comprehensive benefits package.
To Apply for this Job Click Here
Commercial Manager
London
£50000 - £55000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
COMMERCIAL MANAGER
UP TO £55,000 + BENEFITS
LONDON
HYBRID WORKING POLICY – 2/3 DAYS A WEEK IN OFFICE
Join a fast-growing, data driven consumer finance business as a Commercial Manager, driving customer acquisition and shaping pricing strategy across a highly competitive digital marketplace. In this role, you will play a key part in optimising performance across aggregator channels, directly influencing growth and commercial outcomes.
THE COMPANY
This innovative technology led financial services provider is transforming how consumers engage with credit products. With a strong focus on simplicity, customer experience, and data led decision making the business continues to scale rapidly in a competitive market.
THE ROLE
As a Commercial Manager, you will support the development and execution of pricing and acquisition strategies across owned and partner channels, ensuring strong portfolio performance and sustainable growth.
Specifically, you can expect to be involved in the following:
- Supporting the delivery of product and pricing strategies across aggregator and partner channels
- Monitoring performance metrics such as conversion rates, applications, and customer acquisition
- Using SQL and data driven insights to analyse trends and identify growth opportunities
- Collaborating with cross-functional teams including product, risk, and decisioning to drive commercial outcomes
- Conducting competitor and market analysis to inform strategic decisions
- Ensuring all activity is compliant with regulatory standards and internal governance processes
SKILLS AND EXPERIENCE
The successful Commercial Manager will have the following skills and experience:
- Strong analytical capability, with experience using SQL to interrogate data sets
- Experience developing or supporting pricing and acquisition strategies
- Proficiency in reporting tools such as Tableau, Snowflake, or Google analytics
- Strong stakeholder management skills and the ability to work cross-functionally
- A proactive mindset with a strong sense of ownership and accountability
BENEFITS
The successful Commercial Manager will receive up to £55,000 as well as a comprehensive benefits package.
To Apply for this Job Click Here
Lead Credit Risk Analyst
£55000 - £65000
+ Risk Analytics
PermanentWest Midlands
To Apply for this Job Click Here
Lead Credit Risk Analyst
West Midlands 1 to 2 days in the office
£55,000 – £65,000
This role offers the chance to take real ownership of credit risk strategy within a fast-evolving consumer lending environment. You will sit at a pivotal point between senior leadership and developing analysts, combining strategic influence with hands-on analytical delivery across high-impact projects.
The Company
They are a consumer-focused organisation with a large lending portfolio and a strong commitment to data-led decision making. Credit risk plays a central role in shaping sustainable growth, with close collaboration across analytics, technology and commercial teams. The environment is supportive and ambitious, with a clear focus on learning, development and progression.
The Role
- Lead and evolve existing customer management and credit limit strategies across the lending book.
- Support the redesign of credit limit management and implementation of new behavioural scorecards.
- Deliver analysis to inform policy changes, decision system enhancements and customer limit adjustments.
- Design, analyse and interpret tests and experiments to balance risk, growth and customer outcomes.
- Produce portfolio analysis, MI and insight into wider customer trends.
- Work closely with stakeholders across credit and analytics, with flexibility to move into acquisition-focused projects if of interest.
Your Skills & Experience
- Strong commercial experience in consumer credit risk within lending products such as cards, loans or mortgages.
- Demonstrated capability in acquisitions or existing customer management strategy, including limit or policy work.
- Experience contributing to or leading credit limit management initiatives.
- Strong analytical capability with SQL or a comparable analytical language.
- Clear communication skills with the ability to translate analysis into actionable insight.
What They Offer
- Salary up to £65,000 depending on experience.
- Hybrid working with 1 to 2 days per week in the West Midlands office and regular team collaboration days.
- Exposure to wide-ranging, business-critical projects with clear strategic impact.
- Strong opportunities for development, progression and movement across credit risk teams.
- A collaborative culture that actively supports learning and professional growth.
To Apply for this Job Click Here
Commercial Manager
London
£50000 - £55000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Commercial Manager
Salary
£50,000-£55,000
Location + work pattern
London | Hybrid working (2-3 days per week in the office, alternating weeks)
THE COMPANY
- A UK-based consumer finance business specialising in credit card products across both proprietary and co-branded offerings.
- Established as a modern, data-led organisation with strong backing and a focus on sustainable growth.
- Known for investing in technology, people development, and building scalable commercial capabilities.
THE ROLE
This role sits within the acquisition function and focuses on commercial pricing performance across new customer channels. You will work closely with data and acquisition stakeholders to optimise pricing levers within an agreed risk framework.
Specifically, you can expect to be involved in:
- Analysing portfolio and market data to assess pricing performance and commercial impact.
- Reviewing competitor propositions and identifying opportunities to improve acquisition outcomes.
- Supporting changes to pricing levers (e.g. APR, offers) in line with commercial objectives.
- Extracting and manipulating data using SQL to inform decision-making.
- Collaborating closely with acquisition and aggregator teams to implement and monitor changes.
YOUR SKILLS AND EXPERIENCE
- Experience in a commercial, pricing, or revenue-focused role within a consumer-facing, regulated environment.
- Strong understanding of how pricing decisions impact customer behaviour and commercial performance.
- Hands-on experience using SQL to extract, analyse, and interpret data.
- Ability to work within established risk and governance frameworks.
- Clear communication skills, with the ability to explain data-driven insights to non-technical stakeholders.
- Experience within consumer lending is highly relevant; backgrounds in other data-led consumer sectors are also applicable.
THE BENEFITS
- Competitive salary and benefits package.
- Hybrid working with flexibility built into the week.
- Opportunity to shape a growing commercial function in a small, agile team.
- Strong culture of learning and development, with exposure to advanced analytics and modelling.
- Involvement in new product launches and business growth initiatives.
THE PROCESS
- Initial 30-minute interview focused on experience and cultural fit.
- Second-stage interview including a live analytical task.
- Final interview covering motivation and commercial approach.
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Senior Data Scientist
London
£60000 - £75000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Data Scientist
Salary
£60,000-£75,000 + bonus
Location + work pattern
London or Leicester | Hybrid working (1 day per week in the office)
THE COMPANY
- A well-established UK general insurance provider with a strong reputation for advanced analytics and data-driven decision making.
- The business operates at scale across multiple personal lines products and continues to invest significantly in modern data platforms and machine learning.
- Data science sits at the core of how the organisation prices risk and drives commercial strategy.
THE ROLE
This is a senior individual contributor role within an innovative pricing function, focused on developing and evolving advanced predictive models. You will work on complex, high-impact modelling problems and help shape the next generation of pricing approaches.
Specifically, you can expect to be involved in:
- Building and enhancing pricing and risk models using large, complex and messy datasets.
- Developing predictive and residual models to better understand expected versus actual outcomes.
- Exploring novel data sources, including geospatial and alternative datasets, to improve customer selection and pricing accuracy.
- Supporting the progression of existing models from early versions into more mature, production-ready solutions.
- Mentoring junior team members and contributing to best practice across the data science community.
YOUR SKILLS AND EXPERIENCE
- Strong experience in predictive modelling using Python and SQL.
- Hands-on experience with modern machine learning techniques such as gradient boosting methods.
- Proven ability to work with large-scale, complex datasets and translate ambiguity into clear analytical approaches.
- Experience deploying models into production environments within a cloud-based platform.
- Ability to communicate technical concepts clearly and support less experienced colleagues.
THE BENEFITS
- Performance-related bonus.
- Car allowance.
- Private medical insurance and health & wellbeing support.
- Generous holiday allowance with the option to buy or sell additional days.
- Pension contribution with employer matching.
- Life assurance, income protection and additional optional benefits.
THE PROCESS
- Initial 30-minute interview focused on experience and approach.
- Technical case study with presentation and discussion.
- Competency-based interview covering leadership and delivery scenarios.
- Final-stage interview focused on team fit and senior stakeholder engagement.
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
£60000 - £66000
+ Risk Analytics
PermanentLeicestershire
To Apply for this Job Click Here
Lead Credit Risk Analyst
Salary
£60,000-£66,000
Location + work pattern
Leicester | Hybrid working (typically 1-2 days per week in the office)
THE COMPANY
- A UK-based consumer lender with a growing analytics and credit risk capability.
- Known for investing in data, modern decision systems, and professional development.
- Operates with a collaborative culture and clear progression opportunities within analytics.
THE ROLE
This is a senior-level credit risk role sitting within an established analytics team, positioned between leadership and junior analysts. The role focuses on existing customer management (ECM) while offering exposure to wider portfolio and acquisition work.
Specifically, you can expect to be involved in:
- Developing and enhancing ECM strategy across the lending portfolio.
- Credit limit management, including policy design and customer limit changes.
- Supporting model implementation and the rollout of new behavioural scorecards.
- Portfolio analysis, MI production, and customer trend insight.
- Contributing to cross-team projects, with scope to move into acquisition-focused work over time.
YOUR SKILLS AND EXPERIENCE
- Strong background in consumer lending (e.g. credit cards, personal loans, mortgages).
- Proven experience in ECM or acquisition strategy, including limit or policy work.
- Solid analytical capability with SQL (or a comparable data querying language).
- Ability to communicate insights clearly to both technical and non-technical stakeholders.
- 5+ years’ experience in a credit risk or analytics role, operating at a senior level.
THE BENEFITS
- Clear opportunities for progression within a growing analytics team.
- Exposure to wide-ranging, business-critical projects.
- Supportive environment with a strong focus on learning and development.
- Flexible hybrid working model.
THE PROCESS
- Initial 30-minute interview.
- Technical stage including a coding task, presentation, and competency-based discussion with the wider team.
- Final interview with senior stakeholders, including additional technical questions if required.
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Commercial Pricing Manager
London
£45000 - £55000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
COMMERCIAL PRICING MANAGER
£45-55,000
LONDON
THE COMPANY
This unique FinTech are growing significantly and have ambitious plans for their next phase. They pride themselves on a fast-paced and dynamic environment where you can really make a difference and the customer comes before profit.
THE ROLE
- Working closely with existing and new aggregators to improve performance and funnel conversion
- Developing pricing strategy and market analysis in order to drive profitability
- Working with large data sets to spot trends, identify opportunities for enhancement and more widely track business performance
- Conducting comprehensive pricing analyses and crafting actionable recommendations based on performance insights.
YOUR SKILLS AND EXPERIENCE:
- Experience developing pricing or commercial strategies within financial services, gambling, insurance or a similar regulated industry
- Prior experience working with aggregators is desirable
- Prior work in analysing data sets and driving insights into commercial outcomes
- Some experience using SQL
SALARY AND BENEFITS
- £45-55,000 base salary depending on experience
- Flexible working model
- Company bonus
- Company pension scheme
- Private medical care
HOW TO APPLY
Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link or email
To Apply for this Job Click Here
Pricing Analytics Manager
City of London
£60000 - £75000
+ Risk Analytics
PermanentCity of London, London
To Apply for this Job Click Here
Pricing Analytics Manager
Hybrid – 1x day per week (London, Leicester or Bexhill)
£60,000 – £75,000 + car allowance.
This is a high impact pricing analytics role sitting at the centre of portfolio performance and underwriting strategy. You will influence how risk is assessed, priced and managed across a large, complex insurance portfolio, with clear visibility and ownership over commercial outcomes.
The Company
They are a digitally led financial services business with a strong data and analytics capability at the core of decision making. With millions of customers and continued investment in pricing and analytics, they place real emphasis on curiosity, collaboration and constructive challenge. The culture is values driven, focused on delivering fair customer outcomes while achieving sustainable growth.
The Role
You will join a specialist pricing analytics team focused on portfolio oversight and risk performance. Acting as a key link between modelling, pricing and underwriting, you will turn complex performance data into clear, actionable insight.
- Analyse portfolio risk using loss ratios and performance KPIs across modelled segments
- Identify areas of over and under performance and translate findings into portfolio actions
- Provide data driven insight to pricing and modelling teams to inform rate and model changes
- Lead risk selection initiatives and cross functional projects that deliver commercial value
- Communicate insights clearly to senior and non technical stakeholders
- Support underwriting governance and ensure customer outcomes remain fair and appropriate
Your Skills and Experience
- Strong commercial experience in pricing, underwriting or portfolio analytics within insurance or financial services
- High level of confidence working with numerical and statistical data
- Experience using data manipulation or statistical tools, with appetite to develop advanced capability
- Proven ability to critically evaluate information and challenge assumptions
- Clear and confident communicator, comfortable influencing stakeholders
- Proactive mindset with a track record of driving change through insight
What They Offer
- Competitive salary plus £5k car allowance
- Annual performance related bonus
- Flexible hybrid working approach
- Private medical insurance and comprehensive wellbeing support
- Generous pension contributions and life assurance
- 27 days annual leave plus bank holidays, with buy and sell options
- Ongoing training, development and genuine career progression in pricing and analytics
How to Apply
Apply now to learn more about this opportunity and how you can shape portfolio performance through data driven insight.
To Apply for this Job Click Here
Senior Data Scientist
London
£100000 - £130000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Data Scientist
London
£100,000 to £130,000
This is an opportunity to step into a highly influential data science role within a business where analytics sits at the heart of commercial decision making. You will work on complex, high-impact pricing problems, have clear ownership of your work, and see your models directly shape business outcomes.
The Company
They are a technology-led organisation operating in the insurance space, known for their strong investment in data, analytics and engineering. The business is well funded, ambitious, and sets high standards for analytical thinking and technical quality. Data scientists are viewed as strategic partners, not service providers, and are encouraged to challenge, innovate and drive measurable impact.
The Role
- Deliver data science within a pricing-focused environment, influencing rates, tariffs and overall market competitiveness
- Design, build and refine predictive models to better understand risk, customer behaviour and price sensitivity
- Identify and integrate new data sources to improve pricing accuracy and decision making
- Use simulation and modelling techniques to estimate outcomes such as claim frequency and customer responses to price changes
- Translate complex analysis into clear, commercially focused recommendations for senior stakeholders
Your Skills & Experience
- A strong academic background and Masters degree in a STEM discipline such as mathematics or physics
- Advanced analytical and problem-solving skills, with the ability to articulate business impact clearly
- Strong experience using Python for data analysis and modelling
- Experience building and applying predictive models in a commercial context
- Comfortable working in a fast-paced environment with a high level of ownership and accountability
What They Offer
- Salary between £100,000 and £130,000 plus a comprehensive benefits package
- Hybrid working with a minimum of one day per week in the London office
- Exposure to high-value, business-critical projects with real visibility and influence
- A strong culture of learning, development and progression for high-performing data scientists
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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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.
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 – 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.
Candidate /
Market Research Analyst
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 – 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
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 – 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 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.
