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.
Analytics Principal
London
£90000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
ANALYTICS PRINCIPAL
SALARY BETWEEN £90,000 – £120,000
HYBRID WORKING (2 DAYS A WEEK IN-OFFICE)
LONDON
Harnham are working with a leading financial services consultancy to recruit a Principal into a high-performing Credit Risk & Analytics practice. This is an excellent opportunity for an experienced credit risk professional to lead major client engagements while playing a key role in team development and business growth.
THE COMPANY
A well-established financial services company provides specialist advisory, analytics and risk solutions to organisations across the financial services sector. With a strong reputation in credit risk and analytics, the business works with a broad range of lending clients and offers employees the opportunity to work on varied, high-impact projects while collaborating with some of the industry’s most experienced professionals.
THE ROLE
This is a senior leadership role focused on delivering complex credit risk and analytics projects while supporting the growth and development of the wider practice. You will oversee multiple client engagements, lead teams of analysts and consultants, and provide expert guidance across a range of analytical and strategic initiatives.
Specifically, you can expect to be involved in:
- Leading the delivery of multiple credit risk and analytics projects from initiation to completion.
- Managing and developing teams of analysts while ensuring high-quality project delivery.
- Working across credit strategy, portfolio analytics, forecasting, modelling and customer behaviour analysis.
- Contributing hands-on analytical expertise where required.
- Supporting business development activities, project scoping and client engagement.
SKILLS AND EXPERIENCE
The successful Principal must have the following skills and experience:
- 7+ years of experience within Credit Risk Analytics.
- Strong experience developing credit strategies and building analytical models, such as scorecards or forecasting models.
- Experience managing analytical projects and mentoring junior team members.
- Excellent stakeholder management, communication and presentation skills.
- Strong coding capability using Python, SAS or SQL.
- Degree educated in a quantitative discipline.
BENEFITS
The successful Principal will receive a salary up to £120,000.

To Apply for this Job Click Here
Head of Fraud
London
£110000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
HEAD OF FRAUD
London, Hybrid | 110-120k
This is an opportunity to take ownership of fraud strategy within a fast-growing digital financial services business. You will combine fraud leadership with hands-on data science and AI, building intelligent fraud prevention capabilities that protect customers while supporting sustainable growth.
THE COMPANY
They are a technology-led financial services business focused on creating a simpler, more digital customer experience. With technology and data central to their approach, they are continuing to invest in intelligent decisioning and scalable risk capabilities. You will join at an important stage of growth, with significant scope to shape how fraud prevention develops across the organisation.
THE ROLE
As Head of Fraud, you will own the fraud strategy, combining strategic leadership with hands-on technical delivery. You will:
- Define fraud strategy across customer, document, third-party and asset-related risks.
- Build and deploy AI-driven fraud identification capabilities using multiple data sources.
- Develop fraud classifiers, anomaly detection, document intelligence and network analysis solutions.
- Use machine learning and AI to identify emerging threats, including synthetic identities and sophisticated application fraud.
- Own the production of fraud models, including testing, CI/CD, monitoring, governance and human oversight.
- Partner with Product, Engineering, Credit, Operations and Collections to embed effective fraud controls.
- Assess new fraud techniques and vulnerabilities, translating emerging threats into practical controls.
- Deliver fraud analytics and management information to demonstrate losses, prevention performance and overall risk exposure.
- Build relationships across the UK fraud and financial services community to strengthen intelligence sharing.
YOUR SKILLS & EXPERIENCE
You will have:
- Strong commercial experience in fraud prevention or financial crime within UK consumer lending or financial services.
- Hands-on experience building and deploying fraud or risk models into production.
- Advanced Python and SQL skills alongside strong machine learning knowledge.
- Practical experience working with LLMs, agentic AI or AI-driven decisioning, including evaluation, guardrails and governance.
- Strong understanding of Git, testing, CI/CD, cloud environments and model monitoring.
- The ability to balance fraud prevention with customer experience and commercial outcomes.
- Experience translating complex fraud and technical topics for both technical stakeholders and senior leadership.
- A strong understanding of the UK fraud landscape and emerging financial crime threats.
WHAT THEY OFFER
- Competitive salary and performance-based pay reviews.
- Hybrid working from London.
- 30 days’ annual leave plus bank holidays and an additional birthday day off.
- Flexible opportunities to work remotely from other locations during the year.
- Private healthcare.
- Employer-matched pension contributions.
- Cycle to Work scheme.
- Significant ownership and the opportunity to shape an AI-led fraud capability within a growing technology business.
HOW TO APPLY
If you are a hands-on fraud leader with strong data science, machine learning and AI experience, apply to find out more about this Head of Fraud opportunity.

To Apply for this Job Click Here
Senior Risk Analyst
Birmingham
£55000 - £57000
+ Risk Analytics
PermanentBirmingham, West Midlands
To Apply for this Job Click Here
SENIOR RISK ANALYST
SALARY UP TO £57,000
HYBRID WORKING (3 DAYS A WEEK IN-OFFICE)
BIRMINGHAM
Harnham are working with a leading consumer lending business to recruit a Senior Risk Analyst into a high-profile credit risk function. This is an excellent opportunity to join a fast-paced environment where you’ll have direct exposure to strategy development, senior stakeholders, and a major new lending proposition.
THE COMPANY
A well-established consumer finance provider is investing heavily in innovation, digital lending, and customer growth. Operating with the agility of a FinTech while benefiting from the backing and resources of a larger financial services group, the business offers a collaborative culture where ideas are implemented quickly, and employees have the opportunity to make a tangible impact across key strategic initiatives.
THE ROLE
This Senior Risk Analyst position will focus primarily on acquisition strategy development while providing exposure across broader areas of the credit lifecycle. You’ll work with large datasets, develop and optimise lending strategies, and help shape risk decisions for both existing and new lending products.
Specifically, you can expect to be involved in:
- Developing and optimising acquisition and customer management credit risk strategies.
- Building and enhancing scorecards, affordability models, lending policies, pricing and limit strategies.
- Conducting portfolio analysis, monitoring performance trends and identifying opportunities for improvement.
- Working with internal, bureau and alternative data sources to support decision-making.
- Presenting recommendations and strategy changes to senior stakeholders and risk committees.
SKILLS AND EXPERIENCE
The successful Senior Risk Analyst must have the following skills and experience:
- Experience within a Credit Risk, Risk Analytics, Data Science or Risk Modelling environment.
- Strong analytical skills and experience working within consumer lending.
- Proficiency in SQL, SAS or Python.
- Experience using data to develop, evaluate or optimise lending strategies.
- Strong stakeholder management and presentation skills.
- Degree in a quantitative discipline such as Mathematics, Statistics, Economics, Computer Science or a related field.
BENEFITS
The successful Senior Risk Analyst will receive a salary up to £57,000.

To Apply for this Job Click Here
Senior Analyst
London
£65000 - £75000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR ANALYST
SALARY UP TO £75,000 + BONUS
HYBRID WORKING (3 DAYS A WEEK IN-OFFICE)
LONDON
Harnham are working with a growing UK consumer lending business to recruit a Senior Analyst within their Credit Risk and Commercial Strategy function. This is an excellent opportunity to join a high-performing analytics team and play a key role in driving business growth, portfolio performance, and customer outcomes.
THE COMPANY
A well-established FinTech lender is continuing its growth journey following a period of strong business performance and investment. The organisation has built a reputation for delivering innovative consumer lending products and has recently launched new digital capabilities to support its expanding customer base. With a collaborative culture and ambitious growth plans, it offers employees exposure to a wide range of strategic initiatives and significant opportunities for career development.
THE ROLE
This role sits within a commercially focused analytics function and offers the opportunity to influence both lending strategy and business growth. You will use data-driven insights to optimise portfolio performance, support new product initiatives, and help shape the future direction of the lending business.
Specifically, you can expect to be involved in:
- Developing and optimising acquisition and existing customer lending strategies.
- Analysing portfolio performance, customer behaviour, affordability and credit risk metrics.
- Supporting pricing, product and profitability analysis across lending products.
- Leading strategic growth projects and identifying opportunities to improve commercial performance.
- Using data and analytics to enhance decision-making and support new product development.
SKILLS AND EXPERIENCE
The successful Senior Analyst must have the following skills and experience:
- Experience within consumer lending, credit risk, pricing, commercial strategy or portfolio analytics.
- Strong understanding of lending portfolios and customer strategy development.
- Advanced SQL skills and experience working with large datasets.
- Python or other coding experience would be beneficial.
- Strong analytical and problem-solving capabilities with the ability to communicate insights effectively.
- Numerate degree in a quantitative discipline such as Mathematics, Statistics, Economics, Engineering or a related subject.
BENEFITS
The successful Senior Analyst will receive a salary up to £75,000 as well as an annual bonus.

To Apply for this Job Click Here
Principal, Credit Risk Analytics
London
£90000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Principal, Credit Risk Analytics
London | 90-120k
An excellent opportunity for a senior Credit Risk Analytics professional to take ownership of complex consulting engagements across the UK lending market. You will combine technical credit risk expertise with project leadership, client management, and commercial responsibility.
The Company
They are a specialist consultancy working with a vast number of businesses on complex analytical and strategic challenges. Their team combines advanced credit risk analytics with commercial advisory expertise. This role offers significant scope to influence both client outcomes and the development of the consulting practice.
The Role
You will:
- Lead multiple credit risk and analytics engagements across consumer and SME lending.
- Own projects from scoping and methodology through to final client delivery.
- Lead analytical teams while remaining close to the technical work.
- Gain exposure across a number of projects, including scorecard modelling, forecasting, portfolio analytics, and credit strategy.
- Build and manage senior client relationships.
- Translate complex analysis into clear commercial recommendations.
- Mentor team members and strengthen technical and delivery capability.
Your Skills & Experience
- Strong UK consumer or SME credit risk analytics experience.
- Extensive knowledge of lending portfolio and customer behaviour analysis.
- Expertise across relevant areas such as scorecards, machine learning, forecasting, strategy development, provisioning, or capital modelling.
- Experience leading analytical teams and delivering complex projects.
- Advanced Python, SAS, or SQL capability, with Python highly desirable.
- Excellent client communication and stakeholder management skills.
- Consultancy experience would be advantageous.
- A 2:1 or above in a numerate degree.
What They Offer
- Competitive salary dependent on experience.
- Senior ownership of high-impact analytical projects.
- Exposure to complex credit risk challenges across the lending market.
- The opportunity to develop client relationships and influence business growth.
- Clear scope for continued leadership and professional development.
- Additional benefits discussed during the process.
How to Apply
Apply now by clicking the link.

To Apply for this Job Click Here
Senior Risk Analyst
Birmingham
£45000 - £57000
+ Risk Analytics
PermanentBirmingham, West Midlands
To Apply for this Job Click Here
Senior Risk Analyst
West Midlands | £45,000 to £57,000
An opportunity for a Senior Risk Analyst to join a technically focused credit risk team, using data, coding and analytics to shape lending strategies. This role offers more technical exposure than a traditional banking risk position and would suit someone keen to explore how AI and emerging analytical tools can improve the way they work.
The Company
They are an established financial services organisation with a strong focus on data-led credit risk management. Their risk function combines commercial decision-making with hands-on analytics and coding. You will work across consumer lending portfolios in an environment that encourages new ideas, technical development and continuous improvement.
The Role
- Develop and optimise acquisition and customer management credit risk strategies.
- Analyse portfolio performance and identify emerging trends and risks.
- Use SAS, SQL or Python to interrogate data and deliver analytical insights.
- Support scorecards, policy rules, pricing, affordability and limit strategies.
- Present recommendations and insights to senior stakeholders.
- Support and develop junior analysts.
Your Skills & Experience
- Strong experience within consumer credit risk analytics.
- Coding experience using SAS, SQL or Python.
- Strong analytical and statistical skills.
- Knowledge of the credit lifecycle and consumer lending products.
- Experience with modelling, forecasting, pricing or affordability is beneficial.
- Enthusiasm for AI tools, automation and new ways of enhancing analytical work.
What They Offer
£45,000 to £57,000 salary.
Hybrid working, 3 days per week.
A more technical environment than a typical banking risk role.
Exposure to senior stakeholders and strategic credit decisions.
Opportunities to develop your technical and leadership skills.
How to Apply
Apply by clicking the link below.

To Apply for this Job Click Here
Senior Credit Risk Manager
London
£110000 - £110000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR CREDIT RISK MANAGER
LONDON | UP TO £110,000
This is a unique opportunity to join a growing FinTech lender in a highly strategic credit role. You will take ownership of innovative lending and pricing initiatives, helping to shape the future direction of the business while driving sustainable growth and improving portfolio performance.
THE COMPANY
They are an established FinTech operating within the unsecured consumer lending market. The business is entering an exciting growth phase and is investing heavily in the evolution of its credit capabilities.
With strong foundations already in place across credit operations and risk management, they are focused on developing new lending strategies, enhancing pricing sophistication, and creating long-term competitive advantages through innovation.
THE ROLE
* Lead strategic credit risk and lending initiatives from concept through to implementation and measurable business impact
* Develop innovative credit and pricing strategies to support growth while maintaining strong portfolio performance
* Identify new customer segments, lending propositions, and acquisition opportunities
* Evaluate commercial opportunities across customer lifecycle management, re-lending, and portfolio expansion
* Build business cases and assess the commercial viability of new initiatives
* Partner closely with Credit Risk, Commercial, Product, Finance, and Operations teams to drive delivery
* Support the development of advanced and more personalised lending and pricing capabilities
* Take ownership of projects through implementation and successful transition into business-as-usual processes
YOUR SKILLS & EXPERIENCE
* Strong commercial experience within consumer lending, credit risk, credit strategy, or pricing strategy
* Experience working within FinTech or an entrepreneurial lending environment is essential
* Proven ability to deliver strategic credit initiatives that balance growth and risk objectives
* Advanced SQL skills
* Python experience or a willingness to further develop Python capabilities
* Strong commercial and stakeholder management skills
* Comfortable operating as a hands-on individual contributor with a high level of ownership
* Ability to challenge existing approaches and bring innovative ideas to complex business problems
WHAT THEY OFFER
* Salary up to £110,000
* Hybrid working model with 3-4 days per week in the London office
* Significant ownership and visibility across senior leadership
* Opportunity to shape credit strategy, pricing strategy, and new lending capabilities
* Exposure to high-impact transformation and innovation projects
* Clear progression opportunities within a growing FinTech business
* Collaborative environment that encourages experimentation, innovation, and commercial thinking
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
£57000 - £57000
+ Risk Analytics
PermanentWest Midlands
To Apply for this Job Click Here
SENIOR CREDIT RISK ANALYST
BIRMINGHAM | UP TO £57,000 + BONUS + BENEFITS
This is an exciting opportunity to join a fast-growing consumer finance business in a highly visible credit risk role. You will play a key part in shaping credit strategy for a major new lending proposition, working with large-scale datasets and helping drive commercial growth while maintaining strong risk performance.
THE COMPANY
They are a well-established consumer finance lender operating in a fast-paced, technology-driven environment. Combining the agility of a FinTech with the stability and resources of a larger financial services group, they continue to invest heavily in their credit analytics and decisioning capabilities.
The business is launching a significant new lending partnership, creating a unique opportunity to influence strategy from an early stage and work with a wide range of internal, external, and alternative data sources.
THE ROLE
* Develop and optimise acquisition and customer management credit strategies
* Design and implement policy rules, credit limits, pricing strategies, and affordability frameworks
* Utilise bureau, internal, and alternative data sources to drive lending decisions
* Monitor portfolio performance and identify opportunities to enhance strategy effectiveness
* Present recommendations and strategy changes to senior stakeholders and governance forums
* Support onboarding strategy development for new lending propositions
* Balance commercial growth objectives with regulatory and consumer duty requirements
* Assess the impact of economic and market trends on portfolio performance
YOUR SKILLS & EXPERIENCE
* Strong experience within consumer lending credit risk, credit strategy, or risk analytics
* Experience developing acquisition, underwriting, or customer management strategies
* Knowledge of credit policy rules, scorecards, pricing, limits, or affordability modelling
* Strong SQL, SAS, or Python skills
* Ability to work with large datasets and translate analysis into commercial recommendations
* Excellent stakeholder management and communication skills
* Understanding of credit bureau data and the wider credit lifecycle
* Experience within unsecured lending, retail finance, consumer finance, loans, or cards is advantageous
WHAT THEY OFFER
* Salary up to £57,000 depending on experience
* Annual bonus scheme
* Competitive benefits package
* Hybrid working arrangement
* Opportunity to work on a high-profile new lending proposition
* Exposure to senior stakeholders and risk committees
* Fast-paced environment where new ideas can quickly translate into strategy changes
* Strong learning and development opportunities within a collaborative team
* Clear progression pathways within a growing risk function
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 Manager
London
£110000 - £110000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR CREDIT RISK MANAGER
London | 110k
This is an opportunity for a commercially minded credit professional to take ownership of high-impact lending innovation within an established FinTech environment. You will have the autonomy to develop new ideas, build the commercial case and take initiatives from concept through to measurable impact.
THE COMPANY
They are an established UK FinTech operating within the consumer lending space. With a strong existing credit operation and significant investment behind their innovation agenda, they are looking to build new capabilities that enhance both customer and commercial outcomes.
You will join an environment that values experimentation, ownership and evidence-led decision-making.
THE ROLE
As Senior Credit Risk Manager, you will focus on transformational credit and lending initiatives rather than day-to-day portfolio management.
You will:
- Identify and own new lending initiatives that deliver meaningful customer and commercial value.
- Develop new customer segments, distribution channels and lending propositions.
- Explore opportunities across areas such as cross-sell, re-lending and existing customer value.
- Build new credit strategies and capabilities.
- Own initiatives from initial concept through strategy, pricing, credit approach, launch and handover.
- Use data to build value cases and assess commercial opportunities.
- Make informed decisions across credit risk, pricing and distribution.
- Partner with Credit Risk, Product, Commercial, Finance and Operations to deliver initiatives successfully.
- Remain accountable for performance and measurable impact after launch.
YOUR SKILLS & EXPERIENCE
- Strong commercial experience within FinTech, ideally consumer lending, credit or a closely related environment.
- Strong credit risk knowledge combined with the ability to think beyond traditional credit management.
- Strong SQL skills are essential.
- Python experience is beneficial.
- Experience developing and delivering new credit, lending or commercial initiatives.
- Ability to translate data and analysis into commercial decisions.
- Confidence working independently and taking end-to-end ownership.
- Strong stakeholder management skills with the ability to influence and coach cross-functional colleagues.
- A practical approach to experimentation, iteration and problem-solving.
WHAT THEY OFFER
- Competitive salary dependent on experience.
- Significant autonomy and ownership over high-impact lending initiatives.
- Exposure to senior leadership and cross-functional decision-making.
- The opportunity to influence the future direction of credit and lending strategy.
- Scope to develop new capabilities from initial idea through to proven commercial impact.
HOW TO APPLY
If you are a hands-on credit or lending professional, apply today through Harnham.

To Apply for this Job Click Here
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