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.

Credit Risk Analyst
Chester
£35000 - £40000
+ Risk Analytics
PermanentChester, Cheshire
Credit Risk Analyst
Up to £40,000
Hybrid
Cheshire
The Company
I am hiring a credit risk analyst for a motor finance company who is based in Cheshire. Within this role, you will help drive credit risk strategy, insight, and systems to maximize the company’s profitability.
The Role
As a Credit Risk Analyst, you will be:
- Reporting on credit risk insights and trends to senior stakeholders
- Using analytics skills to improve credit risk rule based systems
- Helping develop the credit risk strategy
- Spotting trends to find new ways to increase profitability across the portfolio
- Developing new lending opportunities across the business
Your skills and experience
To be successful as a Credit Risk Analyst, you will need:
- Strong experience with SAS and/or SQL
- Experience working with credit risk reporting and strategy
- Experience working at a finance company
- Excellent communication skills
- Strong stakeholder management
- A numeric degree from a top university
Benefits
Up to £40,000 + benefits package
HOW TO APPLY
Please register your interest by sending your CV to Sean Tunley via

Senior Credit Risk Analyst – Contract
£375 - £425
+ Risk Analytics
ContractEast Midlands
Senior Credit Risk Analyst – Contract
Retail Client
Midlands – Hybrid
£375-£425 per day – outside IR35
Are you a skilled Credit Risk Analyst with a passion for collections and a strong proficiency in SQL and SAS? Are you ready to take on a challenging contract role with a leading retail client? If so, we want to hear from you!
As a Credit Risk Analyst specialising in collections, you will play a crucial role in managing and optimising our client’s credit portfolio. You will work closely with our client’s credit risk team to develop and execute strategies that minimise credit losses while maintaining positive customer relationships. Your expertise in SQL and SAS will be essential in analysing data, modeling risk, and making data-driven decisions.
Role & Responsibilities
- Collaborate with the credit risk team to develop and implement collections strategies
- Analyse customer data to identify delinquent accounts and prioritise collections efforts
- Utilize SQL and SAS to build and maintain collections models
- Monitor and track collections performance, adjusting strategies as needed
- Provide insights and recommendations to improve the efficiency and effectiveness of collections efforts
- Generate reports and presentations to communicate results and strategies to stakeholders
- Ensure compliance with relevant regulations and industry best practices
Skills & Experience
- Proven experience in credit risk analysis and collections within the retail industry
- Strong proficiency in SQL and SAS for data analysis and modelling
- Familiarity with credit risk modelling and statistical techniques
- Excellent problem-solving skills and attention to detail
- Strong communication skills to collaborate with cross-functional teams
- Knowledge of retail credit industry regulations and compliance standards is a plus
Benefits
£375 – £425 per day, outside IR35, hybrid working
How to Apply
Register your interest by sending your CV to Lloyd Dunstall via the Apply link on this page

Senior Credit Risk Analyst
Leicester
£40000 - £45000
+ Risk Analytics
PermanentLeicester, Leicestershire
Senior Credit Risk Analyst
Leicester
Up to £45,000
Hybrid
The Company
This is Top UK retail company that is looking to bring in a Credit Risk Analyst with a technical background to help increase the company’s profitability by driving insights and spotting new trends across the market.
The Role
As a Senior Credit Risk Analyst, you will be:
- Reporting on credit risk insights and trends to senior stakeholders
- Using analytics skills to improve credit risk rule-based systems
- Driving credit risk insights and trends
- Spotting trends to find new ways to increase profitability across the busines
- Developing new lending opportunities across the business
Your skills and experience
To be successful as a Senior Credit Risk Analyst, you will need:
- Strong experience with SAS and SQL
- Experience working with credit risk reporting
- Experience working in financial services (ideally a Bank)
- Excellent communication skills
- Strong stakeholder management
- A numeric degree from a top university
Benefits
Up to £45,000 + benefits package
HOW TO APPLY
Please register your interest by sending your CV to Sean Tunley via

Senior Credit Risk Analyst
£40000 - £55000
+ Risk Analytics
PermanentScotland
Senior Credit Risk Analyst
Scotland
£55,000
An exciting fintech lender is seeking a Senior Credit Risk Analyst who will be performing analytics to manage and optimise the performance of the portfolio. The role, based in the company’s head office, offers a wide range of responsibilities and thus is a great opportunity for career growth.
This is a chance to apply or develop a broader business mindset in an analytical role so if you are looking to broaden your skill-set within Credit Risk and get a sense of the bigger picture this could be the role for you.
THE ROLE:
- Use data to manage, grow and optimise the performance of a consumer credit book
- Daily use of SAS, SQL to manipulate large sets of data related to consumer credit
- Analyse and monitor the performance of the portfolio through deep-dive ad-hoc analytical tasks, developing reporting solutions, automating processes etc
- Contribute to bigger picture data-driven strategies, sharpening your business acumen and developing the managerial mindset
- Engage in stakeholder management with directors, customer groups, and internal teams
- Portfolio analysis – modelling, modelling, reporting improving
YOUR SKILLS AND EXPERIENCE:
- Credit risk analysis experience
- Commercial and problem solver mindset
- Experience using SAS on a daily basis
- Strong stakeholder management skills
KEY WORDS:
Credit Risk Analyst, Strategy, SAS, Retail Portfolio, Risk, Portfolio Analysis

Credit Risk Manager
£60000 - £85000
+ Risk Analytics
PermanentKent
CREDIT RISK MANAGER
£85,000 + BONUS
GREATER LONDON/KENT
A successful lender in the UK who have been praised as a top growth FinTech in Europe over the past 5 years are looking to add an individually contributing credit risk manager to their team. They have a lot of interesting projects coming through the pipeline and are offering a competitive salary on the market.
THE COMPANY
This financial institution is based in Greater London/Kent. They are a fast-paced FinTech lender who provide a secured lending product on the consumer side.
THE ROLE
The role is a manager position individual contributing to look after their portfolio.
Day to day responsibilities include but are not limited to:
- Responsibility for setting all acquisition and customer management credit policies
- Identify and develop new customer opportunities to grow the portfolio
- Accountable for strategies and policies including affordability, authorisations, credit limit assignment, early intervention, and risk-based pricing
- Drive innovation and strategic capability within acquisitions and customer management
- Work closely with credit decisioning team on models and strategies
SKILLS AND EXPERIENCE
- Experience working on credit risk strategies or scorecards
- Experience working for a fast-paced FinTech
- Experience with SQL. Python is a plus.
- A strong university degree in a numerate discipline
SALARY AND BENEFITS
- £85,000 base salary
- Discretionary Bonus
- Pension contribution
- Private Healthcare
HOW TO APPLY
Please register your interest by sending your CV to Shane McWilliams via the Apply link on this page.

Stress Testing Analyst (Credit Risk)
City of London
£60000 - £70000
+ Risk Analytics
PermanentCity of London, London
Stress Testing Analyst (Credit Risk)
Up to £70,000
Hybrid
London
The Company
I am hiring a credit risk analyst for a Challenger bank based in London who has multiple portfolios across both unsecured lending and secured lending. You will be working with experts across the industry to stress test the portfolios.
The Role
As a Credit Risk Analyst, you will be:
- Reporting on the ICAAP processes
- Using analytics skills to improve credit risk stress test systems
- Reporting on stress tests results across the credit risk portfolios
- Analysis and reporting on capital and impairment
- Building challenger models using SAS
Your skills and experience
To be successful as a Credit Risk Analyst, you will need:
- Strong experience with SAS
- Strong experience with credit risk stress testing
- Experience working in financial services (ideally a Bank)
- Excellent communication skills
- Strong stakeholder management
- A numeric degree from a top university
Benefits
Up to £70,000 + benefits package
HOW TO APPLY
Please register your interest by sending your CV to Sean Tunley via

Credit Risk Manager
Sevenoaks
£65000 - £75000
+ Risk Analytics
PermanentSevenoaks, Kent
Credit Risk Manager
Up to £75,000
Hybrid
Kent
The Company
I am hiring a Credit Risk Manager for a leading fintech based in Kent (Sevenoaks) who has a portfolio with over 200,000 people which you will be managing, driving insight, and developing the strategy across the portfolio.
The Role
As a Credit Risk Manager, you will be:
- Analysing the portfolio’s performances and drawing actionable insights
- Presenting insights to senior stakeholders on the portfolio trends
- Developing automated processes to identify key portfolio trends
- Developing the credit risk strategy across the portfolio to increase profits and reduce losses
- SQL for analysis and making sure the model is performing to the required levels
Your skills and experience
To be successful as a Credit Risk Manager, you will need:
- Strong working experience with SQL (Python and R would be ideal as well)
- Excellent communication skills
- Experience with portfolio analytics
- Experience working across credit risk within the financial services industry
- Experience with both secured and unsecured lending
- A numeric degree from a top university
- Experience with different credit risk strategies at different stages of the credit life cycle
Benefits
Up to £75,000 + benefits package
HOW TO APPLY
Please register your interest by sending your CV to Sean Tunley via

Credit Risk Analytics Manager
£60000 - £80000
+ Risk Analytics
PermanentKent
CREDIT RISK ANALYTICS MANAGER
UP TO £80,000
SEVENOAKS
Credit Risk Manager – Drive Your Career with a leading motor fintech!
RESPONSIBILITIES:
- Develop and enhance credit risk strategies for our motor financing business, utilizing data-driven methodologies to assess and manage credit risk effectively.
- Conduct in-depth analysis of customer credit profiles, vehicle financing trends, and economic indicators to identify potential risks and opportunities in the portfolio.
- Lead a team of credit risk analysts, providing guidance, support, and mentorship to foster a culture of excellence and continuous improvement.
- Collaborate with cross-functional teams, including finance, operations, and business development, to align credit risk strategies with overall business objectives.
REQUIREMENTS:
- Bachelor’s degree or higher in a quantitative discipline such as Mathematics, Statistics, Economics, Finance, or related fields.
- Proven experience in credit risk analysis, strategy development, and portfolio management within the motor financing or automotive industry.
- Strong proficiency in statistical analysis tools such as SAS, R, or Python, and experience with data visualization tools.
- Previous experience leading or managing a team of credit risk analysts is a plus.
- Solid understanding of motor financing products, lending principles, and credit risk management concepts.
- Familiarity with credit scorecards, decision trees, and other credit risk models.
- Excellent problem-solving skills with the ability to think analytically and make data-driven decisions.
- Strong communication and presentation skills to convey complex information to diverse stakeholders effectively.
- A self-motivated and results-driven attitude, with a passion for achieving excellence in credit risk management.
Please send over your CV

Credit Risk Manager
Sevenoaks
£60000 - £80000
+ Risk Analytics
PermanentSevenoaks, Kent
Credit Risk Manager
Sevenoaks (2 days per week)
Up to £80,000 + benefits
A fast-paced , innovative lender is seeking a Credit Risk Analytics Manager within a small, flat structured team. It’s a highly analytical and strategic role with elements of Credit Risk and Pricing Analytics involved.
The role is two tiers removed from the CEO so you can expect high exposure and an opportunity to take full ownership over credit risk policy and strategy decisions. The role is also broad so you could be working on an acquisition policy optimization project one day, tweaking a scorecard model the next, and building an NPV model the next.
You’ll have full responsibility for the development and delivery of the strategic agenda in response to new regulations as well as wider credit risk strategies such as affordability, accept/reject, limit assignments and changes, etc.
THE ROLE:
- Development and optimisation of Credit Risk Strategies and models including in response to regulatory changes
- Working with stakeholders at senior levels across the business
- Ownership over Credit Risk and Lending strategies and models
- Driving the commercial success of the portfolio through Pricing analytics and NPV modelling
- Manage stakeholders across the business including end to end delivery and championing of analytical ideas and strategy changes
- Provide specialist support to product team in development of new products, pricing and propositions
- Manage stakeholder relationships with Directors and board members
YOUR SKILLS AND EXPERIENCE:
- Experience using SQL and Python would be ideal but there can be flexibility for someone with strong general programming skills
- Educated to degree level (minimum) in a numeric discipline, ideally from a Russell Group university
- Experience working in retail credit risk, using data to solve problems and build solutions
- Strong communication and stakeholder skills
- Keenness to get stuck in, learn and develop
KEYWORDS:
Credit Risk Analyst, Portfolio Analytics, Credit Risk Strategies, Customer Engagement, Customer Contact Strategies, Acquisitions, Scorecards, Commercial Strategy, Strategic Analytics, Scoring, Analytics, SAS, SQL

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