WHAT WE DO
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 is 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.
We at Harnham inspect all the elements of every candidate's profile to determine the right balance of experience, education and team fit.
RISK ANALYTICS
OVERVIEW
We place talented analytical professionals into the Risk Analyst positions that come with so much responsibility.
We appreciate the importance of protecting the world’s interests and know the role that data has to play. Our dedicated Risk Analytics team fully understands risk analytics in finance and decision science, as well as the significance of knowing your market.
As within the world of Risk Analytics, the customers we work with differ by location, size and industry. We have experience across all the major marketplaces and can assist you, whether you are hiring to reinforce an existing presence or build a new one.
RISK ANALYTICS
OVERVIEW
We place talented analytical professionals into the Risk Analyst positions that come with so much responsibility.
We appreciate the importance of protecting the world’s interests and know the role that data has to play. Our dedicated Risk Analytics team fully understands risk analytics in finance and decision science, as well as the significance of knowing your market.
As within the world of Risk Analytics, the customers we work with differ by location, size and industry. We have experience across all the major marketplaces and can assist you, whether you are hiring to reinforce an existing presence or build a new one.



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
OPPORTUNITIES
Harnham are a specialist Data & Analytics recruitment business with teams that only focus on niche areas.

Impairment Manager
£60000 - £80000
+ Risk Analytics
PermanentLondon
IMPAIRMENT MANAGER
£80,000
LONDON
THE COMPANY
This role is with an exciting business in the consumer lending space. They have grown significantly over the past few years and are looking to add a motivated and experienced individual within their growing team. This role offers the chance to take control of their impairment function and take on a challenging role that will give you excellent exposure and experience.
THE ROLE
This position will see you:
- Lead monitoring of impairment models and the enhancement and recalibration of these models
- Work within the Impairment team more broadly on governance, controls, and reporting for these models
- Perform ad-hoc analysis as required and suggest solutions based on your analysis
- Have a broad understanding of impairment impacts across the bank and products
- Broader day to day management of impairment models across the bank
YOUR SKILLS AND EXPERIENCE
This company is seeking someone with:
- Prior experience in working with impairment models and reporting
- Experience in consumer lending or retail banking
- Experience in IFRS9 modelling and experience in enhancing and testing these models
- Experience working with credit cards or loans is highly desirable
SALARY AND BENEFITS
- Up to £80,000 base salary
- Pension contribution scheme
- Discretionary bonus
- Hybrid work model
- Private medical cover
HOW TO APPLY
Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

Head of Collections
£80000 - £100000
+ Risk Analytics
PermanentLondon
HEAD OF COLLECTIONS
UP TO £100,000
LONDON
A cohesive, tech-driven lender is looking for a Head of Collections to head up the strategy on their credit card and loan products. This is arguably the most critical role in the business right now.
THE COMPANY:
This lender is fast-paced, dynamic, and flexible to suit their employee’s needs. You’ll be joining at a time when the company is implementing a brand-new communication platform to add to the fascinating data you’ll be analysing.
THE ROLE:
As a Head of Collections, you’ll be involved in the following:
- Manage two talented collections strategy analysts
- Develop and deliver collections strategies
- Lead the commercial function
- Work end-to-end on collections strategy across their cards and loans products
- Utilise Machine Learning techniques when needed
YOUR SKILLS AND EXPERIENCE:
The successful Head of Collections will have the following skills and experience:
- Strong SAS, SQL, or Python experience
- Experience in near-prime and/or subprime lending
- Previous experience working for a FinTech lender on unsecured products
- Ideally, at least 1+ years’ experience managing a collections team
- Highly familiar with implementing collections strategies
THE BENEFITS:
You will receive the following benefits:
- 20% bonus
- Up to 30 days holiday per year
- Key focus on equality and diversity
- Well-being program
HOW TO APPLY:
Please register your interest by sending your CV to Kai Nicholls via the Apply link on this page.

Senior Credit Risk Manager
£81000 - £96000
+ Risk Analytics
PermanentNorth London, London
Senior Credit Risk Manager
Up to £96,000 + Bonus
Hybrid – North London
A great opportunity for an individual with experience in credit risk and impairment strategy to join one of the UK’s leading financial services providers
The Company
Joining one of the UK’s leading financial services companies and providers of consumer credit – this role will provide a great opportunity to progress in your career.
In this role, you will be supporting and enhancing the businesses impairment methodology framework – this will include work mainly across IFRS9 modelling and methodology. You will also be responsible for the management of a team of junior and senior analysts.
The Role and Responsibilities
- Working on model development and model implementation
- Taking ownership of all IFRS9 activities within the team
- Supporting IFRS9 modelling techniques, methodology, testing and validation
- Line management of junior and senior analysts
Your Skills and Experience
- Strong knowledge of impairments/provisions within retail banking
- Proven background in working across credit cards/financial services
- Experience in IFRS9 model development
- Strong knowledge of SAS/SQL/Python
The Benefits
- Up to £96,000
- On-target bonus + benefits
- Hybrid working
Interview Process
- 2 Stage interview process
- 1st Stage: Initial 30-minute chat with HM
- 2nd Stage: Technical and Values Interview
How to Apply
If interested in this role please send your CV to Jordan Victor via the Apply Link below

Lead Credit Strategy and Product Analyst
£70000 - £80000
+ Risk Analytics
PermanentLondon
LEAD CREDIT STRATEGY AND PRODUCT ANALYST
£80,000
LONDON
THE COMPANY
This company is a leader in the finance space, offering a broad range of credit products to its customers and partnering with a number of well-known brands. This award-winning business is forging a new path in consumer finance and this is an exciting opportunity to be part of a brand new team within the business as they look to incorporate open banking as part of their work.
THE ROLE
You’ll be an instrumental part of the implementation of open banking, including:
- Using this data and broader customer analytics to inform lending strategies and make wider recommendations to teams across the business
- Working on wider affordability recommendations and assessing the impact of these
- Using new open banking data to inform wider customer journeys and strategies, including new acquisitions and credit limits
- Liaising with senior members of the team both internally and externally, presenting findings in a clear and concise manner
YOUR SKILLS AND EXPERIENCE:
- Strong knowledge and experience working with SQL or Python
- Experience in developing and maintaining credit risk strategy, ideally with credit cards
- Prior experience in presenting to and communicating with stakeholders
- Ideal to have had prior exposure to open banking data
- Ideal to have prior experience with affordability strategies
SALARY AND BENEFITS
- Up to £80,000 base salary
- Flexible working model
- Discretionary bonus
- Pension contribution scheme
- Broader benefits scheme including medical cover
HOW TO APPLY
Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

Lead Credit Risk Analyst
£70000 - £80000
+ Risk Analytics
PermanentLondon
LEAD CREDIT RISK ANALYST
UP TO £80,000
LONDON
A huge UK credit card provider is on the search for a Lead Credit Risk Analyst to join their data-driven lending organisation. As a Lead Credit Risk Analyst, you’ll be involved in the most crucial credit decisions across the lender.
THE COMPANY:
This is your chance to make an impact in an organisation that revolves everything around its credit risk team’s. With their multiple product offerings including their new Buy Now Pay Later product, you’ll be working for a company that supports millions of customers every day.
THE ROLE:
As a Lead Credit Risk Analyst, you’ll be involved in the following:
- Joining their brand-new affordability team
- Focal point in bringing in Open-Banking
- Lead the charge in making more accurate affordability assessments
- Use fascinating open banking data to make informed strategy decisions
- Utilise Python and SQL to analyse customer acquisitions
YOUR SKILLS AND EXPERIENCE:
The successful Lead Credit Risk Analyst will have the following skills and experience:
- Highly skilled in using SQL and Python
- Previous experience implementing acquisition strategies or affordability strategies
- Experience using Tableau or Power BI would be ideal
- Ideally, you will have Open Banking experience
- Exposure to credit card products
THE BENEFITS:
You will receive the following benefits:
- 14% employer-contributed pension
- Up to 30 days AL
- Life assurance
- Private healthcare
- Discounts at some huge brands
HOW TO APPLY:
Please register your interest by sending your CV to Kai Nicholls via the Apply link on this page.

Senior Affordability Specialist
£70000 - £81000
+ Risk Analytics
PermanentLondon
SENIOR AFFORDABILITY SPECIALIST
FROM £70,000 UP TO £81,000 + BENEFITS
LONDON (HYBRID)
This is an unmissable opportunity if you are an ambitious Affordability Specialist that’s looking to develop and grow your skills in the industry while working with a well-established FinTech in the UK.
THE COMPANY
This company is heavily driven by Data and Analytics and is looking for a Senior Affordability Specialist that will be able to identify and develop innovative strategy solutions. There is huge scope for growth in this role as you will participate in large-scale projects across multiple business verticals. The flat structure of the company means that no one is in the way of undertaking additional responsibility and promotions if you are trying to climb the corporate ladder.
THE ROLE
This position would be part of the new affordability team. Within this role, you would be:
- Look at models to inform new strategies to mitigate risk and improve profitability.
- Assess how stable the decisions being made are and undertake analytical research to provide insights that can improve the outcome decision process.
- Take the lead in developing a new suite of automated affordability-based monitoring using open banking data.
SKILLS & EXPERIENCE
- Strong coding knowledge of SQL or Python, ideally both.
- Previous experience in open banking or affordability assessments.
- Knowledge of the governance surrounding the affordability process.
- Good written and verbal communication skills.
- Must have a strong numerate degree.
SALARY & BENEFITS
- From £70,000 up to £81,000pa base salary.
- Hybrid working (2-3 days in the office)
- Double-matched pension contributions
- Up to a 15% bonus
HOW TO APPLY
Please register your interest by applying directly to this advert on LinkedIn.

Senior Affordability Product Analyst
£70000 - £80000
+ Risk Analytics
PermanentLondon
Senior Affordability Product Analyst
London, hybrid
Up to £80,000 + Competitive Bonus & benefits
THE COMPANY
Join one of the largest challenger banks in the UK, disrupting the e-commerce space and creating innovative solutions that benefit both the customer and their employees. You will be given the opportunity to define the scope of your career as well as multiple opportunities to gain first-class training in some of the most sought-after technologies, working with the wider Credit Risk and strategy teams. This FinTech is hugely data-driven, being one of the first UK financial Services companies to become fully serverless on AWS and Snowflake, using data to drive every decision made across the business which means they also pride themselves on adopting the latest tech!
THE ROLE
In this role, you will be a key member of the brand-new affordability team, with you specifically owning the open-banking integration, bringing in open-banking data to increase reliability of affordability statements and using this data to inform strategies across the business and look at new acquisitions.
Key Responsibilities:
- Use SQL and Python to run deep-dive analysis, assessing each and every customer in order to ensure credit decisions are at their best.
- Own and embed a new Open Banking journey across all lending strategies, working with data scientists and credit risk analysts to analyse their models and data in order to innovate current strategies, assessing how they can best use open-banking data and where to best affordability strategies.
- Analyse vast amounts of raw data with SQL and Python, generating detailed data insights and automating affordability-based monitoring across various portfolios.
KEY SKILLS & REQUIREMENTS
- Proficient programming skills with SQL/Python
- Credit risk background with experience working on a credit product i.e. credit cards, mortgages, loans etc
- Open banking or affordability experience
BENEFITS
Partnered with large tech provider for immersive training
Regular salary reviews
Hybrid working
Flat structure, frequent promotion cycles
Hugely advanced & data-driven FinTech
Double Matched Pension
Ownership of a completely new product
HOW TO APPLY
Interested? Please register your interest by submitting your CV directly by applying to this advert.

Senior Affordability Analyst
£72000 - £81000
+ Risk Analytics
PermanentNorth London, London
Senior Affordability Analyst
Up to £81,000
Hybrid – North London
A great opportunity for an individual with experience in credit risk and affordability to join one of the UK’s leading financial services providers
The Company
Joining one of the UK’s leading financial services companies and providers of consumer credit – this role will provide a great opportunity to progress in your career.
In this role, you will be joining their Affordability Product team and ensuring that the business has the right affordability assessment approach – using the right data for each customer to make appropriate decisions. And you will use your analytical expertise to deliver high-quality business and customer outcomes.
The Role and Responsibilities
- Optimisation and analysis of raw data to generate insights
- On boarding and embedding a new Open banking journey across lending strategies
- Establishing the new affordability product team via taking ownership of affordability decisions
- Undertaking full suite of automated affordability-based monitoring
Your Skills and Experience
- Strong experience in SQL or Python
- Proven background in working across credit cards/financial services
- Experience in Open Banking/Affordability
The Benefits
- Up to £81,000
- On-target bonus + benefits
- Hybrid working
Interview Process
- 2 Stage interview process
- 1st Stage: Initial 30-minute chat with HM
- 2nd Stage: Technical and Values Interview
- Case study will also be a part of the process
How to Apply
If interested in this role please send your CV to Jordan Victor via the Apply Link below

Senior Collections Strategy Analyst
£60000 - £70000
+ Risk Analytics
PermanentLondon
SENIOR COLLECTIONS STRATEGY ANALYST
£70,000
LONDON
THE COMPANY
This successful FinTech has been growing significantly and has exciting plans and projects in the pipeline. They are seeking an experienced candidate to work directly on their collections strategy and policy, offering the chance to join a close-knit team and have a hands-on role where you can really impact the business.
THE ROLE
Within this, you can expect to work on:
- Developing and defining collections strategy for the business, with a specific focus on customer experience and outcomes
- Ensuring compliance with regulatory standards and policies
- Maintaining and improving existing collections strategies
- Supporting with the implementation and wider impact of these policies
YOUR SKILLS AND EXPERIENCE
- Previous experience in designing and working with collections strategies
- Understanding of UK regulatory standards
- Experience in stakeholder management and communication
- Strong analytical skills and a desire to get stuck in to influence change
- Strong SQL skills
SALARY AND BENEFITS
- Up to £70,000 base salary
- Hybrid work model
- Private medical care
- 25 days holiday
HOW TO APPLY
Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

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