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.
Head of Analytics
London
£90000 - £150000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
HEAD OF ANALYTICS
LONDON | £90,000 – £150,000 + 20% BONUS + BENEFITS
This is an opportunity to lead a business-critical analytics and decisioning function within a highly data-driven financial services environment. Sitting at the intersection of Credit Risk, Analytics, and AI, you’ll shape strategy, influence senior stakeholders, and remain close enough to the detail to drive meaningful change.
THE COMPANY
They are an established financial services business undergoing a significant transformation across analytics, decisioning, and AI adoption. With strong investment in technology and data capabilities, they are focused on using analytics to drive smarter commercial and risk decisions across the organisation.
THE ROLE
* Lead a centralised Analytics & MI function supporting key business areas
* Own the analytics and decisioning strategy, ensuring data drives commercial and risk decisions
* Develop a high-performing team of analysts, managers, and decisioning specialists
* Drive the transition from reporting-focused outputs to actionable business insight
* Oversee the ongoing development of decision engine capabilities and governance
* Champion the adoption of AI tools and automation across analytics workflows
* Partner with senior stakeholders across risk, finance, marketing, and executive leadership
* Remain hands-on with analytics, data, and technical problem solving where required
YOUR SKILLS & EXPERIENCE
* Strong leadership experience within Credit Risk Analytics
* Experience developing and implementing strategies
* Proven ability to influence senior stakeholders and translate insight into business action
* Strong coding capability in SQL and ideally Python
* Experience with modern data environments such as Snowflake, Power BI, or similar technologies
* Practical experience using AI tools to improve analytics processes and decision making
* A genuine interest in the evolving AI landscape and its commercial applications
* Financial services experience preferred, although other highly analytical, data-driven sectors will also be considered
WHAT THEY OFFER
* £90,000 – £150,000 base salary depending on experience
* 20% annual bonus
* Private healthcare
* 7% matched pension
* 25 days annual leave
* Hybrid working with 2-3 days per week in the London office
* Significant exposure to executive leadership
* Opportunity to shape analytics, AI, and decisioning strategy at an organisational level
HOW TO APPLY
Please register your interest by sending your CV through the Apply link.

To Apply for this Job Click Here
Head of Analytics
London
£90000 - £150000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
HEAD OF ANALYTICS
LONDON | £90,000 – £150,000
This is a rare opportunity to build and lead a newly created Analytics Shared Services function within a growing consumer finance business. Sitting at the centre of credit risk, collections, marketing, and product, you will help shape strategic decision-making, drive analytics innovation, and support the adoption of AI across the organisation.
THE COMPANY
This established financial services business provides lending products to a large UK customer base and is investing heavily in analytics, automation, and decisioning capabilities. They are entering an exciting phase of transformation and are building a central analytics team to support business-wide growth and innovation. This role offers significant visibility and the opportunity to influence strategy at the highest level.
THE ROLE
* Build and lead a function supporting multiple business areas
* Partner with senior stakeholders to deliver strategic analytical projects
* Drive the adoption of AI, automation, and advanced analytics throughout the business
* Translate complex analysis into clear commercial recommendations for executive stakeholders
* Help shape business strategy through data-led decision making
* Lead, mentor, and develop analytical talent across the team
* Prioritise and deliver high-impact projects that improve business performance and customer outcomes
* Act as a key link between analytics, technology, and commercial functions
YOUR SKILLS & EXPERIENCE
* Strong commercial experience leading analytics teams within financial services
* Previous experience within credit risk developing strategy
* Experience managing and developing analytical teams
* Hands-on technical background with prior coding experience in tools such as SQL, Python, SAS
* Ability to move between strategic leadership and technical problem solving
* Experience influencing senior stakeholders and presenting at executive level
* Exposure to AI, automation, or advanced analytics transformation programmes
* Strong commercial and stakeholder management skills
WHAT THEY OFFER
* £90,000 – £150,000 base salary
* 20% annual bonus
* Private healthcare
* 7% matched pension
* 25 days annual leave
* Hybrid working model (2-3 days per week in London)
* Opportunity to build a new function with significant business impact
* Excellent scope for progression and visibility across the organisation
HOW TO APPLY
Please register your interest by submitting your CV through the Apply link.

To Apply for this Job Click Here
Lead Credit Risk Analyst
Cardiff
£60000 - £70000
+ Risk Analytics
PermanentCardiff
To Apply for this Job Click Here
Lead Credit Risk Analyst
Cardiff
£60,000 – £70,000
This is an opportunity to join a growing lending business at a pivotal stage of its journey. You’ll play a key role in shaping credit strategy, improving automated decisioning, and influencing business-critical lending decisions, all within a collaborative environment where your ideas and recommendations will have real impact.
The Company
They are an established UK consumer lending organisation with a strong data-driven culture and a focus on delivering fair customer outcomes. The business combines the stability of a successful financial services group with the agility of a growing lending function. With continued investment in technology, analytics, and decisioning capabilities, they offer an environment where innovation and continuous improvement are actively encouraged.
The Role
- Analysing approval, referral, arrears, and default trends to identify risks and performance opportunities
- Developing data-driven recommendations to improve credit strategies and business performance
- Enhancing automated decisioning processes and increasing operational efficiency
- Reviewing and optimising lending policies, scorecard cut-offs, and underwriting controls
- Monitoring the effectiveness of strategy changes and balancing growth, risk, and customer outcomes
- Producing management information, analysis, and insights for key stakeholders
- Working closely with Product, Underwriting, Commercial, and Decisioning teams to deliver strategic initiatives
- Supporting the implementation of strategy changes within decisioning systems
Your Skills & Experience
- Strong commercial experience in credit risk strategy within consumer lending
- Experience optimising acceptance strategies, lending limits, underwriting policies, or scorecard performance
- Strong analytical skills with SQL
- Python experience is advantageous
- Experience turning complex data into clear, actionable recommendations
- Excellent communication and stakeholder management skills
- Ability to influence decisions across both technical and non-technical audiences
- A commercial mindset with a strong understanding of risk management principles
What They Offer
- £60,000 – £70,000 base salary, with flexibility for exceptional candidates
- Annual bonus
- Dedicated training and development support
- Collaborative culture with direct access to senior stakeholders and decision-makers
- Team socials and networking opportunities
- Strong opportunities for career progression as the business continues to grow
- Comprehensive benefits package

To Apply for this Job Click Here
Lead Credit Risk Analyst
Cardiff
£65000 - £70000
+ Risk Analytics
PermanentCardiff
To Apply for this Job Click Here
LEAD CREDIT RISK ANALYST
SALARY BETWEEN £65,000-£70,000 + ANNUAL BONUS
HYBRID (1 DAYS PER WEEK IN-OFFICE)
CARDIFF
Harnham are working with a growing UK financial services business to recruit a Lead Credit Risk Analyst into their expanding credit strategy team. This is an excellent opportunity to play a key role in shaping the future of a developing lending product, with significant exposure to strategic decision-making and senior stakeholders.
THE COMPANY
Harnham are working with a well-established UK lender that combines data, analytics, and technology to deliver consumer finance products. As part of a wider financial services group, the business offers the stability of an established brand alongside the opportunity to influence a growing lending portfolio. With continued investment in its credit capabilities, the company is focused on improving customer outcomes, operational efficiency, and risk management through data-driven decision making.
THE ROLE
This role sits within the Credit Strategy function and offers the chance to influence lending decisions, optimise credit performance, and support the ongoing development of a growing loan portfolio. You’ll work closely with a range of stakeholders to develop strategies that balance growth, customer outcomes, and risk.
Specifically, you can expect to be involved in:
- Analysing portfolio performance, including approvals, referrals, arrears, and defaults.
- Identifying opportunities to improve automation across the credit decisioning process.
- Producing insight-led recommendations to enhance credit strategy and policy.
- Collaborating with Product, Underwriting, and Commercial teams on strategic initiatives.
- Monitoring and evaluating the impact of credit strategy changes.
SKILLS AND EXPERIENCE
The successful Lead Credit Risk Analyst must have the following skills and experience:
- Experience within Credit Risk Strategy in a consumer lending environment.
- Strong analytical skills with the ability to translate data into actionable recommendations.
- Experience working with lending policies, scorecards, decisioning rules, and underwriting strategies.
- Advanced SQL skills, with Python considered advantageous.
- Ability to communicate complex analytical findings to both technical and non-technical stakeholders.
BENEFITS
The successful Lead Credit Risk Analyst will receive a salary up to £70,000 and an annual bonus.

To Apply for this Job Click Here
Credit Risk Manager
London
£80000 - £100000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
CREDIT RISK MANAGER
SALARY UP TO £80,000-100,000
HYBRID (3 DAYS PER WEEK IN-OFFICE)
LONDON
Harnham are working with a high-growth fintech scale-up that is transforming financial wellbeing through innovative consumer financial products. This is an excellent opportunity for a commercially minded credit risk professional to help shape lending strategy within a rapidly expanding business.
THE COMPANY
Harnham are working with a fast-growing fintech scale-up on a mission to improve financial wellbeing for employees through innovative workplace financial products. Operating in the consumer lending and financial services space, the business has developed a suite of solutions focused on helping individuals better manage their finances while giving employers tools to support employee wellbeing. Following significant investment and continued expansion, the company is scaling its analytics and risk capabilities, offering the opportunity to join a high-growth environment where data-driven decision making is central to the business strategy and future success.
THE ROLE
This role sits within a credit risk function responsible for driving lending performance, customer outcomes, and strategic decision-making. You will use data-driven insights to optimise credit strategies and influence key business decisions across the lending lifecycle.
Specifically, you can expect to be involved in:
- Defining and optimising credit risk strategies to support portfolio growth and performance.
- Analysing complex datasets to identify trends, opportunities, and business insights.
- Working with cross-functional teams to implement and monitor strategy changes.
- Evaluating strategy performance and recommending continuous improvements.
- Supporting affordability and customer outcome initiatives through analytical problem-solving.
SKILLS AND EXPERIENCE
The successful Credit Risk Manager must have the following skills and experience:
- Experience within consumer lending, ideally across unsecured lending products.
- Strong analytical and problem-solving skills with the ability to structure complex challenges.
- Advanced SQL skills and strong Excel capabilities; Python experience is advantageous.
- Ability to translate data into actionable business recommendations.
- Strong stakeholder management and communication skills within cross-functional environments.
BENEFITS
The successful Credit Risk Manager will receive a salary up to £100,000.

To Apply for this Job Click Here
Senior Credit Risk Analyst
London
£55000 - £75000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR CREDIT RISK ANALYST
LONDON | £55,000 – £70,000
This is an exciting opportunity to join a high-growth fintech that is transforming consumer lending through data, technology, and innovative credit decisioning. You’ll play a key role in shaping credit card strategy, using advanced analytics to influence lending decisions and drive the performance of a rapidly expanding portfolio.
THE COMPANY
They are a leading fintech business that has built a reputation for challenging traditional lenders through technology and data-driven decision making. With continued investment in analytics, machine learning, and innovative data sources, they have created a fast-paced environment where ideas are implemented quickly and individual contributions have a visible impact. Their collaborative culture gives analysts significant ownership and exposure to key commercial decisions.
THE ROLE
- Develop and optimise credit strategies across a growing lending portfolio
- Analyse customer and portfolio performance data to identify opportunities for growth and improved risk outcomes
- Build and monitor forecasting models to assess portfolio performance and profitability
- Drive strategy across areas such as underwriting, credit limits, pricing, and portfolio management
- Generate insights from large datasets and translate findings into actionable recommendations
- Work closely with product, engineering, and analytics teams to implement new strategies
- Monitor the performance of live strategies and recommend enhancements based on results
- Take ownership of analytical projects that directly influence business performance
YOUR SKILLS & EXPERIENCE
- Strong commercial experience within Credit Risk Analytics in consumer lending
- Experience developing or managing credit strategies, including areas such as acquisitions, underwriting, credit limits, pricing, or portfolio management
- Strong hands-on coding experience using Python and SQL on a regular basis
- Experience using data to solve business problems and influence commercial decisions
- Strong understanding of credit risk strategy and portfolio performance within unsecured lending
- Ability to independently identify opportunities, challenge assumptions, and drive improvements
- Experience working cross-functionally to deliver analytical solutions into production
- Strong communication skills with the ability to present insights and recommendations to a range of stakeholders
WHAT THEY OFFER
- £55,000 – £70,000 base salary depending on experience
- Hybrid working model
- Opportunity to work within a market-leading fintech
- Exposure to advanced analytics, machine learning, and alternative data sources
- Significant ownership and autonomy from day one
- Clear progression opportunities within a growing Credit Risk function
- Collaborative and intellectually stimulating environment focused on innovation and impact
HOW TO APPLY
Please register your interest by sending your CV through the Apply link.

To Apply for this Job Click Here
Senior Credit Risk Analyst
London
£60000 - £75000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR CREDIT STRATEGY ANALYST
LONDON | £60,000 – £75,000 + BONUS
This is an exciting opportunity to join an innovative fintech that is redefining how consumer lending operates through data, technology, and customer-centric decision-making. You’ll play a key role in shaping credit strategy, influencing lending decisions, and driving business growth within a highly analytical and fast-moving environment.
THE COMPANY
They are a market-leading fintech that leverages advanced analytics, modern technology, and rich customer data to deliver smarter financial products. Innovation sits at the heart of their business, with data-driven decision-making embedded across every function. Their collaborative culture brings together experts across analytics, product, engineering, and data science to solve complex commercial challenges and deliver exceptional customer outcomes. As they continue to grow, they are investing heavily in their credit risk and strategy capabilities.
THE ROLE
- Optimise credit strategies and decisioning frameworks across lending products
- Develop and implement credit policy enhancements to improve portfolio performance
- Analyse portfolio trends and identify opportunities to drive growth and improve risk outcomes
- Build forecasting, pricing, and profitability models to support strategic decision-making
- Apply advanced analytical techniques to understand customer behaviour and lending performance
- Explore innovative data sources, including open banking data, to strengthen credit risk strategies
- Partner with product, engineering, data science, finance, and fraud teams on key business initiatives
- Present insights and recommendations to senior stakeholders
- Lead analytical projects that deliver measurable commercial impact
YOUR SKILLS & EXPERIENCE
- Strong commercial experience within credit risk analytics in a consumer lending environment
- Strong SQL and/or Python skills with experience analysing large and complex datasets
- Experience developing, implementing, or optimising credit risk strategies and policies
- Excellent analytical and problem-solving skills
- Experience translating complex analysis into clear commercial recommendations
- Strong stakeholder management and communication skills
- Ability to work effectively within cross-functional teams
- Passion for using data to drive innovation and business performance
WHAT THEY OFFER
- £60,000 – £75,000 base salary depending on experience
- Annual bonus scheme
- Exposure to cutting-edge analytics tools, data, and technology
- Significant ownership of high-impact projects
- Opportunity to work within one of the UK’s most innovative fintech environments
- Clear career progression within a growing credit risk and analytics function
- Collaborative culture focused on learning, development, and knowledge sharing
HOW TO APPLY
Please register your interest by sending your CV through the Apply link.

To Apply for this Job Click Here
Credit Risk Manager
London
£74000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
CREDIT RISK MANAGER
£74,000- 120,000
LONDON
This is an opportunity to join one of the UK’s most successful and fast-growing fintech businesses as they continue to scale their credit card portfolio. You’ll play a key role in shaping credit strategy, using data-driven insights to influence business decisions and drive portfolio performance within a highly analytical and collaborative environment.
THE COMPANY
This fast-growing fintech business is transforming consumer lending through technology, data science, and machine learning. Operating at significant scale and backed by leading investors, they have built a strong reputation for delivering innovative financial products and exceptional customer experiences.
With continued growth across multiple product lines, they are investing heavily in their credit function and are looking for talented analytical professionals to help optimise lending decisions and influence strategic direction.
THE ROLE
- Develop and enhance credit strategies across a growing credit card portfolio
- Use Python and SQL to analyse customer behaviour, portfolio performance, and lending outcomes
- Generate data-driven insights to support acquisition, underwriting, pricing, and credit limit decisions
- Collaborate with data science, product, and engineering teams to implement new strategies and models
- Monitor portfolio performance and identify opportunities to improve risk and commercial outcomes
- Assess the impact of external economic factors on credit performance and lending strategy
- Take ownership of key initiatives and make a measurable impact on business growth from day one
YOUR SKILLS AND EXPERIENCE
- Strong commercial experience within credit risk, lending, or consumer finance
- Proven experience developing and implementing credit card strategies
- Strong coding capability with Python and SQL used in a commercial environment
- Experience analysing large datasets and translating findings into business recommendations
- Knowledge of portfolio management, underwriting, pricing, or credit risk optimisation
- Strong problem-solving skills with the ability to challenge assumptions and identify opportunities for improvement
- Experience working within a fast-paced analytical environment is beneficial
SALARY AND BENEFITS
- Competitive salary based on experience
- Performance-related bonus
- Equity participation scheme
- Private health insurance
- Hybrid working model with flexibility to work from home
- Complimentary lunches in the office
- Pension scheme
- Opportunity to join a high-growth fintech business and accelerate your career progression
HOW TO APPLY
Please register your interest by sending your CV to Rachael Lewis through the ‘Apply’ link.

To Apply for this Job Click Here
Senior Credit Risk Analyst
London
£60000 - £75000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR CREDIT RISK STRATEGY ANALYST
£60,000-£75,000
LONDON
This is an opportunity to join one of the UK’s leading digital banking businesses, working within a highly regarded credit risk team that has built a reputation for developing some of the strongest talent in the consumer lending market. You’ll take ownership of credit strategy across a lending product, using analytics to drive both risk and commercial performance in a fast-growing environment.
THE COMPANY
This innovative financial services business has established itself as a major player within UK consumer lending, combining advanced analytics, modern technology, and customer-focused products. They offer a broad range of lending and banking products and continue to experience strong growth across their customer base and product portfolio. They are known for investing heavily in both technology and employee development, making it an excellent environment for career progression.
THE ROLE
- Take ownership of credit risk and commercial strategy for a specific lending product
- Analyse portfolio performance and identify opportunities to improve business outcomes
- Develop and optimise lending strategies using customer and portfolio data
- Use SQL and Python to deliver insights and support strategic decision-making
- Monitor credit performance and recommend data-driven policy changes
- Work closely with stakeholders across analytics, product, data science, and technology teams
- Contribute to the development and implementation of new credit strategies and decisioning frameworks
- Play a key role in balancing growth, profitability, and customer outcomes
YOUR SKILLS AND EXPERIENCE
- Strong commercial experience within credit risk strategy or credit risk analytics
- Experience working within consumer lending environments
- Advanced SQL skills
- Python experience is highly desirable
- Experience developing or managing credit risk strategies and lending policies
- Strong problem-solving skills with the ability to translate analysis into commercial recommendations
- Excellent communication and stakeholder management skills
- Experience working with large datasets and delivering actionable insights
SALARY AND BENEFITS
- £60,000- £75,000 base salary
- Annual bonus
- Hyrbid working model (2-3 days in the office)
- Modern Canary Wharf office location
- Strong career progression opportunities within a high-performing credit risk function
- Exposure to multiple lending products and sophisticated analytical tools
- Opportunity to learn from experienced leaders and industry experts
HOW TO APPLY
Please register your interest by sending your CV to Rachael Lewis through the ‘Apply’ link.

To Apply for this Job Click Here
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