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 Credit Risk Analyst
Solihull
£47000 - £57000
+ Risk Analytics
PermanentSolihull, West Midlands
To Apply for this Job Click Here
Senior Risk Analyst
Salary
£47,000-£57,000
Location + work pattern
Solihull (Birmingham) | Hybrid working (3 days per week in the office)
THE COMPANY
- A UK consumer lender backed by a large international financial services group.
- Operates in a fast‑moving, product‑led environment with strong links to major retail partners.
- Known for combining scale, data access and governance with agile ways of working.
THE ROLE
This is a senior individual contributor role within a credit risk function supporting the launch and ongoing optimisation of a major new consumer finance product. You’ll play a key part in shaping acquisition and onboarding strategies while working closely with senior stakeholders across the business.
Specifically, you can expect to be involved in:
- Developing and enhancing acquisition, onboarding and credit policies across unsecured lending products.
- Building and refining scorecards, affordability models, limits and pricing strategies.
- Using bureau, internal and alternative data sources to inform risk decisions.
- Supporting end‑to‑end strategy delivery across the credit lifecycle, including exposure management and collections.
- Preparing and presenting analysis and recommendations to senior risk forums and committees.
YOUR SKILLS AND EXPERIENCE
- 3+ years’ experience within credit risk, analytics or strategy in a consumer lending environment.
- Strong understanding of the UK credit market, ideally within unsecured lending products.
- Experience working with credit data to develop or support scorecards, policies or risk strategies.
- Confident stakeholder communicator, able to explain analytical outputs to non‑technical audiences.
- Hands‑on experience with SQL and/or SAS, with a willingness to learn new tools such as Python.
THE BENEFITS
- Opportunity to work on a high‑impact new product launch with access to large‑scale, rich datasets.
- Fast‑paced environment where ideas and strategy changes can be implemented quickly.
- Exposure to senior stakeholders and visible contribution to business performance.
- Supportive, collaborative team culture with strong knowledge sharing.
- Competitive salary and benefits package.
THE PROCESS
- Initial short interview focused on role alignment and experience.
- Technical assessment and presentation exercise.
- Final competency‑based interview, ideally held onsite.
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Fraud Analytics Manager
London
£86000 - £98000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Fraud Analytics Manager
Salary
£86,000-£98,000
Location + work pattern
London | Hybrid working (3 days per week in the office
THE COMPANY
- A well-established FinTech with a strong international footprint, operating across payments and consumer financial services.
- The UK entity has recently expanded its regulated offering, moving beyond a single product focus into broader account-based and cashback services.
- The business is investing heavily in fraud prevention as part of this next phase of growth.
THE ROLE
This is a senior individual contributor role within a partner and merchant fraud function, focused on identifying, analysing and reducing fraud risk across complex payment flows. You will act as an accountable lead, owning problems end to end and driving improvements across detection, strategy and operations.
Specifically, you can expect to be involved in:
- Analysing fraud patterns and trends to identify emerging risks and exposures.
- Defining and improving fraud detection frameworks, rules and controls.
- Advising on fraud strategy, automation opportunities and operational priorities.
- Partnering closely with product, operations, engineering and strategy teams.
- Using SQL to extract and analyse data to support investigations and decision-making.
YOUR SKILLS AND EXPERIENCE
- Strong subject matter expertise in fraud, ideally within payments, marketplaces or financial services.
- Experience managing complex fraud investigations from identification through to resolution.
- Proven ability to define fraud guidelines, strategies and operational routines.
- Comfortable working autonomously, taking ownership of ambiguous, project-based problems.
- Working knowledge of SQL for data extraction and analysis.
THE BENEFITS
- Opportunity to work within a highly self-sufficient, cross-functional team.
- Exposure to end-to-end delivery, from strategy through to execution.
- A role with genuine ownership and influence over fraud frameworks and controls.
- Hybrid working and a competitive salary package.
THE PROCESS
- Online abstract reasoning assessment.
- Take-home assignment followed by a technical interview discussing the approach and outcomes.
- Behavioural interview focused on competencies.
- Final short cultural fit conversation.
- Offer
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Financial Data Reporting Analyst
London
£60000 - £75000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Data and Reporting Analyst
London
£65,000 to £70,000
This is an opportunity to join a high-performing finance function at a fast-scaling UK fintech where data sits at the heart of commercial decision-making. You will work closely with senior stakeholders on business-critical reporting and analysis, gaining exposure to complex funding structures and the full lifecycle of consumer lending. The role offers genuine scope to influence how financial data is used across the organisation and to progress as the business continues to grow.
The Company
They are an established and rapidly growing financial services business operating in the consumer lending space. With a strong market presence and ambitious growth plans, they combine a data-led approach with a collaborative, people-focused culture. The organisation is well-funded, commercially sophisticated, and known for giving teams ownership and visibility across the business. Their scale means you get variety and impact, without losing the agility of a smaller environment.
The Role
- Analyse and report on financial data relating to funding, asset performance, and transactions such as sales and securitisations.
- Build, maintain, and improve a robust reporting suite to support senior leadership and cross-functional teams.
- Deliver ad hoc analysis to answer commercial and strategic questions across the business.
- Use SQL extensively to extract, transform, and analyse data from core financial systems.
- Partner with stakeholders across finance and the wider business to clearly communicate insights and performance drivers.
Your Skills and Experience
- Strong commercial experience within financial services, ideally in lending, fintech, or banking environments.
- Advanced SQL skills with the ability to work confidently with large, complex datasets.
- Proven experience in financial reporting and data analysis that supports decision-making.
- Confidence communicating insights to non-technical stakeholders, including senior leaders.
- Exposure to funding structures, capital markets, or securitisation is advantageous but not essential.
- Experience with BI tools and data visualisation is beneficial, with QuickSight considered a plus.
- Python experience is welcome but not required.
What They Offer
- Hybrid working with three days per week in their London office near Waterloo.
- Bonus, pension and private medical
- A clear pathway for progression within a growing finance and data function.
- The chance to work on high-impact projects with strong visibility at leadership level.
- A supportive, inclusive culture that values curiosity, ownership, and development.
To Apply for this Job Click Here
Product Analyst
Basingstoke and Deane
£40000 - £41000
+ Risk Analytics
PermanentBasingstoke and Deane, Hampshire
To Apply for this Job Click Here
Savings Product Analyst
Salary
£40,000
Location + work pattern
Reading | Hybrid working (3 days per week in the office)
THE COMPANY
- A profitable, well-capitalised UK challenger bank
- The business has grown from a specialist finance provider into a fully licensed bank with a strong focus on customer-focused products.
- The savings division is expanding, with continued investment in pricing, product development and performance insight.
THE ROLE
This is a newly created role within the Savings team, supporting the commercial management of savings products. You will work closely with a senior product lead, gaining exposure to pricing, performance analysis and new product development.
Specifically, you can expect to be involved in:
- Supporting day-to-day commercial management of savings propositions.
- Producing pricing analysis, performance insight and management information.
- Conducting market and competitor analysis to inform product decisions.
- Assisting with product governance activities and new savings proposition development.
- Working cross-functionally with teams such as Treasury, Operations and Marketing, as well as external partners.
YOUR SKILLS AND EXPERIENCE
- Around 1+ year of experience in an analytical, commercial or pricing-focused role.
- Ability to analyse data and present insights clearly to stakeholders.
- Strong Excel skills, with confidence handling data and building analysis.
- Interest in financial services; experience in savings products is beneficial but not essential.
- Exposure to Power BI or similar reporting tools is desirable.
THE BENEFITS
- Base salary around £40,000 plus annual bonus.
- Private healthcare.
- Employer pension contribution of 6.5%.
- Hybrid working model with a collaborative office environment.
- Opportunity to learn closely from an experienced product leader in a growing team.
THE PROCESS
- First-stage interview with senior stakeholders covering role fit and experience.
- Technical interview focused on analytical and commercial skills.
- Final short interview via Microsoft Teams.
- Offer!
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Fraud Analytics Manager
London
£86000 - £98000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Merchant Fraud Analytics Manager
London 3 days pw
£80-100,000
The Company
They are a global fintech business expanding their UK presence. The organisation is data driven, fast paced, and built around cross‑functional teams that deliver solutions collaboratively. They offer strong autonomy and the chance to influence fraud strategy during a key growth phase.
The Role
* Analyse merchant fraud patterns and emerging risks.
* Enhance fraud frameworks, detection methods, and decisioning.
* Lead complex investigations and define risk standards.
* Partner with operations, product, and strategy teams to embed controls.
* Use SQL to extract insights and support recommendations.
Your Skills and Experience
* Strong expertise in fraud, financial crime, or merchant risk.
* Ability to design fraud frameworks and operational guidelines.
* Confidence working independently and driving projects.
* SQL skills for data extraction and analysis.
* Background in payments, fintech, PSPs, or marketplaces is ideal.
What They Offer
* Competitive base salary of 86-100k depending on experience
* 3 days in office
* Private medical care
How to Apply
To apply for this Merchant Fraud Analytics Manager role, please submit your CV.
To Apply for this Job Click Here
Senior Credit Risk Analyst
London
£55000 - £70000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Credit Risk Analyst
Salary
£55-£70k
Location + work pattern
London | Hybrid working (Ususally Tuesday-Thursday in the office)
THE COMPANY
- A fast paced, highly data‑driven FinTech operating across multiple consumer lending products.
- Established player with a strong market reputation, long‑term profitability, and continued international expansion.
- Known for combining commercial thinking with advanced analytics to drive growth.
THE ROLE
This is a broad, commercially focused credit risk role sitting within a core UK product area that is performing strongly. You’ll work on a wide range of analytical and strategic projects, partnering closely with senior stakeholders.
Specifically, you can expect to be involved in:
- Developing and optimising credit and lending strategies across the customer lifecycle, with a focus on acquisition.
- Building and refining NPV and pricing models to support commercial decision making.
- Implementing analytical outputs into live credit strategies and policies.
- Delivering wider analysis on customer behaviour, portfolio performance, product growth, and emerging trends.
YOUR SKILLS AND EXPERIENCE
- Strong academic background with a solid grounding in quantitative analysis (Russell Group University with a STEM degree is required)
- Experience within a data‑led environment such as FinTech, InsurTech, or another analytically rigorous consumer business.
- Exposure to developing lending strategies or providing insight that informs business or credit decisions.
- Strong SQL capability; experience using Python is advantageous.
- Typically 1-2+ years’ relevant experience, with evidence of progression or increased responsibility.
THE BENEFITS
- Competitive base salary within the £55-£70k range.
- Attractive long‑term incentive through share options.
- Hybrid working model with a collaborative London office environment.
- Opportunity to work in a high‑growth, product focused FinTech with strong career development.
THE PROCESS
- Online analytical case study focusing on numerical and problem solving skills.
- On‑site interview including a business case discussion and technical/competency assessment.
- Final office visit with senior stakeholders and the wider team.
- Offer!
HOW TO APPLY
Please register your interest via the apply link on this page.
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
Data Scientist
£50000 - £90000
+ Risk Analytics
PermanentEngland
To Apply for this Job Click Here
Data Scientist
Salary
£60,000 – £90,000 + Bonus + Pension
Location + work pattern
London – Hybrid working (1-2 days per week remote)
THE COMPANY
- A well-funded, technology-led insurance business operating across multiple European markets.
- Known for a highly data-driven culture and strong investment in analytics and engineering.
- Experiencing rapid growth in the UK, with analytics at the core of commercial decision-making.
THE ROLE
This role sits within the pricing and underwriting analytics function, applying data science to optimise pricing strategy and improve market competitiveness. You will work on complex, real-world problems with clear commercial impact.
Specifically, you can expect to be involved in:
- Developing and enhancing predictive models used within pricing and risk frameworks.
- Exploring and integrating new data sources to improve model performance.
- Simulating and analysing customer behaviour, including price sensitivity and risk outcomes.
- Collaborating closely with analytics, engineering and wider commercial teams to deliver insight.
YOUR SKILLS AND EXPERIENCE
- Strong quantitative background (e.g. Mathematics, Physics or similar) from a top univeristy is a must.
- Experience using Python for data analysis or modelling, or strong academic exposure.
- Ability to approach problems logically, explaining reasoning clearly and methodically.
- Hands-on data science or modelling experience in a retail insurance environment.
- Clear communication skills and motivation to work in a fast-paced, high-expectation setting.
THE BENEFITS
- Competitive salary aligned to experience and seniority.
- Hybrid working model with flexibility built in.
- High level of ownership and exposure to meaningful projects.
- Opportunity to develop rapidly within a technically strong analytics team.
- Collaborative, performance-driven culture with a strong focus on learning and progression.
THE PROCESS
- Initial CV review followed by a take-home mathematical and logic-based assessment.
- Short introductory interview focused on motivation and role fit.
- In-depth technical interview centred on reasoning, problem-solving and applied thinking.
- Final-stage competency-based interview.
- Offer!
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Senior Credit Analyst
City of London
£65000 - £80000
+ Risk Analytics
PermanentCity of London, London
To Apply for this Job Click Here
Senior Credit Strategy Analyst !
Up to £80,000
Hybrid
London
The Company
I am hiring a Senior Credit Strategy Analyst leading dynamic FinTech based in London. Within this role you will be bringing your credit risk strategy experience to focus on driving business growth and profitability using tools like SQL and Python alongside your credit commercial background
The Role
As a Senior Credit Strategy Analyst, you will be:
- Developing new insights to drive optimisation of credit risk strategies.
- Detecting new trends on customer data to develop wider business strategies
- Developing credit risk strategies for Acquisitions and Existing Customers.
- Working with senior leadership to implement/improve strategy.
- Using SQL and Python daily for strategy development
Your skills and experience
To be successful as a Senior Credit Strategy Analyst, you will need:
- Experience as a credit risk strategy analyst
- Experience working in a fast-paced environment
- Experience developing credit risk strategies for Acquisitions and/or Existing Customer
- Experience working with SQL and Python
- STEM Degree from a top university
Benefits
Up to £80,000 + Benefits
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.
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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.
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
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 – 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
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.
Client /
Director of Customer Data Science – Apparel
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 – 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
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
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.
