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.

Credit Risk Manager/Senior Manager
£60000 - £85000
+ Risk Analytics
PermanentNottinghamshire
To Apply for this Job Click Here
CREDIT RISK MANAGER/SENIOR MANAGER
£60-85,000 dependent on level
REMOTE (ONCE PER MONTH TRAVEL TO MIDLANDS)
THE COMPANY
This lending business are in a rapid period of growth and have very ambitious plans for the next few years. They are looking for an experienced candidate to take the lead in defining their analytics growth and strategic direction for the future, offering the chance to make a real impact in a smaller business.
THE ROLE
- Re-developing and enhancing statistical models, specifically scorecards, to drive insight into the customer journey and enhance business performance
- Design credit risk strategies and provide support on wider lending strategies including optimization and analysis
- Provide wider ad hoc analysis and insight into customer trends and monitor the ongoing performance of credit strategies and portfolios
- Working with external stakeholders and collaborating with wider business areas to communicate improvements and really make an impact
YOUR SKILLS AND EXPERIENCE
- Prior exposure to Credit Bureau data is essential
- Exposure to scorecard models is an essential requirement
- Previous experience in end-to-end scorecard development is highly desirable
- Strong SAS, SQL, Python or R is essential
- Prior management experience essential
SALARY AND BENEFITS
- Base salary – 60-85k depending on level
- Private Medical care
- Pension contribution scheme
- 25 days holiday
HOW TO APPLY
Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link
To Apply for this Job Click Here

Credit Risk Manager- (Scorecards/ Strategy)
Nottingham
£60000 - £75000
+ Risk Analytics
PermanentNottingham, Nottinghamshire
To Apply for this Job Click Here
CREDIT RISK MANAGER
NOTTINGHAM- ONCE A MONTH
SALARY UP TO £75,000
Join a leading lender where you will play a pivotal role in shaping and leading the credit risk strategies.
THE ROLE
- Lead the development, execution, and refinement of credit risk strategies across acquisition, account management, and decision-making processes.
- Guide and mentor a high-performing credit risk team, promoting a culture focused on growth, collaboration, and operational excellence.
- Own and continuously improve the credit risk policy framework, decision models, and governance structures to ensure regulatory compliance and audit readiness.
- Provide executive leadership with clear, data-driven insights into portfolio performance and emerging risk trends.
- Build and maintain statistical models (e.g., probability of default models, bureau-based and custom scorecards) to support credit underwriting and customer segmentation.
- Utilize credit bureau data (e.g., TransUnion, Experian) to inform, enhance, and fine-tune risk strategies.
- Perform in-depth exploratory data analysis and ensure high data quality through comprehensive cleaning and validation processes.
- Design and manage A/B testing frameworks to assess and optimize the performance of credit risk strategies.
REQUIREMENTS
- Experience with credit strategy implementation
- Experience building scorecards
- SAS/SQL/ Python
- Experience with credit bureau data
HOW TO APPLY
Please send CVs below or
To Apply for this Job Click Here

Credit Strategy Manager (Business Lending)
City of London
£80000 - £100000
+ Risk Analytics
PermanentCity of London, London
To Apply for this Job Click Here
Credit Strategy Manager (Business Lending)
Up to £100,000
Hybrid
London
The Company
I am hiring a Credit Strategy Manager top innovative business lending business based in London. Within this role you will be bringing your business lending acquisitions and underwriting analytics experience to support the business growth across the business lending portfolio using tools like SQL and Python
The Role
As a Credit Strategy Manager, you will be:
- Developing Credit risk strategies for acquisitions and exciting customers
- Developing new insights to drive credit risk strategies for acquisitions and underwriting automation for business loans
- Detecting new trends on customer data to help increase business revenue across the portfolio
- Analysing both internal and external data to drive credit decisioning.
- Working with senior leadership to implement/improve credit risk strategies.
- Using SQL and/or Python daily for strategy development
Your skills and experience
To be successful as a Credit Strategy Manager, you will need:
- Experience developing acquisitions and/or underwriting strategies for a fintech/top UK bank
- Strong analytics skillset and mathematical way of thinking
- Experience working on business lending/SME portfolios.
- Strong experience developing credit risk strategies using SQL and Python
- A STEM degree from a top university
Benefits
Up to £100,000 + comprehensive benefits package
To Apply for this Job Click Here

Senior Fraud Analytics Consultant
City of London
£55000 - £65000
+ Risk Analytics
PermanentCity of London, London
To Apply for this Job Click Here
Senior Fraud Analytics Consultant
Up to £65,000
Hybrid
London
Company:
One of our Consulting clients are on the lookout for a highly skilled Senior Fraud Analytics Consultant to join their fraud analytics function working closely with clients developing fraud strategies and providing insights on fraud performance using tools like SQL, Python, and Power BI.
Responsibilities:
As a Senior Fraud Analytics Consultant, you will be responsible for:
- Crafting and implementing effective fraud strategies to mitigate risks and protect different clients and customers
- Utilizing SQL, Python, and Power BI to analyze data, identify fraud patterns, and develop predictive models.
- Managing and mitigating various types of fraud, including scams, APP fraud, and third-party fraud.
- Collaborating with multiple vendors to enhance fraud prevention measures and ensure seamless integration.
- Leveraging your experience in the UK banking sector to align strategies with regulatory requirements and industry best practices.
Key Requirements:
- Extensive experience in developing comprehensive fraud strategies.
- Proficiency in SQL, Python, and Power BI.
- In-depth knowledge of scams, Authorized Push Payment (APP) fraud, and third-party fraud.
- Experience working with multiple vendors.
Salary: Up to £65,000 Per Year + Strong Benefits Package
To Apply for this Job Click Here

Senior Credit Portfolio Analyst
Manchester
£55000 - £70000
+ Risk Analytics
PermanentManchester, Greater Manchester
To Apply for this Job Click Here
Senior Credit Portfolio Analyst
Up to £70,000
Manchester
Hybrid
The Company
An excellent opportunity a reputable challenger bank who are focused on delivering both savings, mortgages, business banking, and motor finance to their customers. This role will be sitting in the 2nd line delivering portfolio insights, developing scorecard models, overseeing model implementation, and developing lending strategies.
The Role
As a Senior Credit Portfolio Analyst, you will be:
- Developing and implementing credit risk strategies across different portfolios with the focus on mortgages.
- Developing scorecards for originations/acquisitions
- Implementation of scorecard models for the business
- Overseeing the model development and implementation across the banks portfolios
- Analysis of portfolio trends for actional insights for senior stakeholders
- Using SAS and Python daily in this role.
Your skills and experience
For you to be successful as a Senior Credit Portfolio Analyst, you will need:
- Strong experience working as a credit risk analyst for another bank/fintech
- Experience developing credit risk strategies for lending products.
- Experience using SAS and ideally python
- Experience developing or working on scorecard models
- Strong communication and teamwork skills.
- Mathematical degree
Benefits
Up to £70,000 + competitive benefits package
To Apply for this Job Click Here

Senior Credit Portfolio Analyst
City of London
£55000 - £70000
+ Risk Analytics
PermanentCity of London, London
To Apply for this Job Click Here
Senior Credit Portfolio Analyst
Up to £70,000
London
Hybrid
The Company
An excellent opportunity a reputable challenger bank who are focused on delivering both savings, mortgages, business banking, and motor finance to their customers. This role will be sitting in the 2nd line delivering portfolio insights, developing scorecard models, overseeing model implementation, and developing lending strategies.
The Role
As a Senior Credit Portfolio Analyst, you will be:
- Developing and implementing credit risk strategies across different portfolios with the focus on mortgages.
- Developing scorecards for originations/acquisitions
- Implementation of scorecard models for the business
- Overseeing the model development and implementation across the banks portfolios
- Analysis of portfolio trends for actional insights for senior stakeholders
- Using SAS and Python daily in this role.
Your skills and experience
For you to be successful as a Senior Credit Portfolio Analyst, you will need:
- Strong experience working as a credit risk analyst for another bank/fintech
- Experience developing credit risk strategies for lending products.
- Experience using SAS and ideally python
- Experience developing or working on scorecard models
- Strong communication and teamwork skills.
- Mathematical degree
Benefits
Up to £70,000 + competitive benefits package
To Apply for this Job Click Here

Lead Credit Risk Analyst – (Scorecards)
Leeds
£45000 - £55000
+ Risk Analytics
PermanentLeeds, West Yorkshire
To Apply for this Job Click Here
Lead Credit Risk Analyst – (Scorecards)
Up to £55,000
Hybrid
Leeds
The Company
I am hiring a Lead Credit Risk Analyst for one of the biggest UK banks focused on providing unsecured and secured lending to their customers. In this role you will leading the scorecard modelling credit cards and loans using SAS and SQL daily in the role.
The Role
As a Lead Credit Risk Analyst, you will be:
- Developing credit risk application and behavioural scorecard models
- Using analytics skills to improve credit risk strategies
- Monitoring the performance or the scorecard and the portfolio performance.
- Working with and presenting to senior stakeholders daily within the role.
- Using SAS to develop credit risk models daily.
Your skills and experience:
To be successful as a Lead Credit Risk Analyst, you will need:
- Strong experience developing credit risk scorecards
- Experience as a credit risk using SAS or SQL daily for scorecard development
- Experience working in unsecured lending portfolios
- Experience working for a bank or in financial services
- Excellent communication skills
Benefits
Up to £55,000 + benefits package
To Apply for this Job Click Here

Lead Credit Risk Analyst – (Scorecards)
Birmingham
£45000 - £55000
+ Risk Analytics
PermanentBirmingham, West Midlands
To Apply for this Job Click Here
Lead Credit Risk Analyst – (Scorecards)
Up to £55,000
Hybrid
Birmingham
The Company
I am hiring a Lead Credit Risk Analyst for one of the biggest UK banks focused on providing unsecured and secured lending to their customers. In this role you will leading the scorecard modelling credit cards and loans using SAS and SQL daily in the role.
The Role
As a Lead Credit Risk Analyst, you will be:
- Developing credit risk application and behavioural scorecard models
- Using analytics skills to improve credit risk strategies
- Monitoring the performance or the scorecard and the portfolio performance.
- Working with and presenting to senior stakeholders daily within the role.
- Using SAS to develop credit risk models daily.
Your skills and experience:
To be successful as a Lead Credit Risk Analyst, you will need:
- Strong experience developing credit risk scorecards
- Experience as a credit risk using SAS or SQL daily for scorecard development
- Experience working in unsecured lending portfolios
- Experience working for a bank or in financial services
- Excellent communication skills
Benefits
Up to £55,000 + benefits package
To Apply for this Job Click Here

Lead Credit Risk Analyst – (Scorecards)
Chester
£45000 - £55000
+ Risk Analytics
PermanentChester, Cheshire
To Apply for this Job Click Here
Lead Credit Risk Analyst – (Scorecards)
Up to £55,000
Hybrid
Chester
The Company
I am hiring a Lead Credit Risk Analyst for one of the biggest UK banks focused on providing unsecured and secured lending to their customers. In this role you will leading the scorecard modelling credit cards and loans using SAS and SQL daily in the role.
The Role
As a Lead Credit Risk Analyst, you will be:
- Developing credit risk application and behavioural scorecard models
- Using analytics skills to improve credit risk strategies
- Monitoring the performance or the scorecard and the portfolio performance.
- Working with and presenting to senior stakeholders daily within the role.
- Using SAS to develop credit risk models daily.
Your skills and experience:
To be successful as a Lead Credit Risk Analyst, you will need:
- Strong experience developing credit risk scorecards
- Experience as a credit risk using SAS daily for scorecard development
- Experience working in unsecured lending portfolios
- Experience working for a bank or in financial services
- Excellent communication skills
Benefits
Up to £55,000 + benefits package
To Apply for this Job Click Here

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