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.
PORTFOLIO
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.
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
hertfordshire
£50000 - £60000
+ Risk Analytics
PermanentHertfordshire
To Apply for this Job Click Here
Senior Credit Risk Analyst
Hertfordshire (2 days)
£50,000 – £60,000
This is an excellent opportunity for a Senior Credit Risk Analyst to join a growing credit risk function where you can make a genuine impact across customer acquisition, credit strategy, portfolio performance, and risk optimisation. The role offers broad exposure, significant ownership, and the chance to help shape the future direction of a developing team.
The Company
They are a well-established financial services organisation operating within a regulated lending environment. Combining the stability of a larger group with the agility of a specialist team, they offer a collaborative and supportive culture where employees can make a visible impact. Following recent growth within their Credit Risk function, they are continuing to invest in data-driven decision making and risk strategy. This role offers the opportunity to contribute to key business decisions while developing your expertise across multiple areas of credit risk.
The Role
- Optimise customer acquisition and onboarding strategies using bureau data and credit risk insights
- Enhance and refine credit decisioning and affordability assessments
- Implement and improve scorecard-driven credit strategies
- Monitor portfolio performance and identify opportunities to improve risk outcomes
- Support IFRS9 and broader credit risk activities
- Produce management information, reporting, and analytical recommendations for senior stakeholders
- Collaborate with teams across credit, operations, compliance, and risk
- Lead analytical projects designed to improve customer outcomes and portfolio performance
Your Skills & Experience
- Strong commercial experience within Credit Risk Analytics or Credit Strategy
- Experience working on acquisition, onboarding, or customer decisioning strategies
- Hands-on experience using credit bureau data to support lending decisions
- Exposure to credit scorecards and strategy implementation
- Strong SQL skills
- Experience analysing large datasets and translating findings into business recommendations
- Excellent communication and stakeholder management skills
Desirable:
- SAS, Python, or Power BI experience
- Exposure to IFRS9, affordability, or portfolio analytics
What They Offer
- Salary of £50,000 – £60,000
- Hybrid working with 2 days per week in the office
- Broad exposure across multiple areas of credit risk
- Opportunity to develop a specialist area of expertise while maintaining varied responsibilities
- Clear career progression within a growing credit risk function
- Supportive and collaborative team environment

To Apply for this Job Click Here
Senior Product Manager – Collections
London
£80000 - £100000
+ Risk Analytics
PermanentEngland
To Apply for this Job Click Here
Senior Product Manager, Collections & Recoveries
Remote within UK
£80-£100,000 + benefits
This is an opportunity to take ownership of a critical product area within a mission-led, African-founded fintech . You’ll shape the future of collections and recoveries, bringing a strategic vision to a growing team while delivering meaningful outcomes for both customers and the business.
The Company
Our client is a technology-driven financial services business focused on delivering accessible, responsible financial products to underserved markets. They combine data, digital platforms, and customer-centric thinking to support sustainable growth for their customers.
As the business continues to scale, they are investing in their product capability and looking for an experienced product leader to bring specialist collections and credit expertise into the organisation.
The Role
You will own the strategy, roadmap, and performance of the collections and recoveries product domain, working closely with Operations, Credit Risk, Data, and Engineering teams.
Key responsibilities include:
- Defining and delivering the collections and recoveries product strategy
- Building scalable tools and workflows that improve operational effectiveness
- Developing customer segmentation and early-warning capabilities alongside Risk and Data teams
- Enhancing repayment journeys across digital and assisted channels
- Driving automation and reducing manual operational processes
- Using experimentation and analytics to improve repayment, recovery, and customer outcomes
- Establishing clear KPIs, reporting frameworks, and success measures
- Influencing senior stakeholders across Product, Operations, Risk, and Technology
- Supporting the development of more proactive and customer-focused collections approaches
- Mentoring and guiding junior product team members
Your Skills & Experience
- Strong product management experience within banking, lending, fintech, payments, or financial services
- Direct experience with collections, recoveries, credit servicing, or lending products
- Proven success delivering transformation initiatives within collections or customer repayment environments
- Experience building and scaling data-led products and operational tooling
- Ability to translate complex business challenges into impactful product solutions
- Strong stakeholder management and communication skills
- Working knowledge of SQL and product analytics
- Experience with payments platforms, mobile money, or credit products would be advantageous
- Exposure to responsible lending, financial inclusion, or customer protection initiatives is beneficial
What They Offer
- Salary up to £100,000
- Wider benefits package including bonus
- Travel to Kenya (headquarters) for team collaboration
- High levels of ownership and influence within a growing product organisation
- Opportunity to define the future direction of collections and recoveries products
- Exposure to senior leadership and strategic decision-making
- Career growth within a scaling fintech environment
A purpose-driven culture focused on delivering positive customer outcomes

To Apply for this Job Click Here
Lead Credit Risk
Leicester
£55000 - £65000
+ Risk Analytics
PermanentLeicester, Leicestershire
To Apply for this Job Click Here
Lead Credit Risk Analyst
Location: Leicester (Hybrid – 1 day per week in the office)
Salary: Up to £65,000 + Benefits
THE COMPANY
This is an exciting opportunity to join a leading consumer lending business as part of a growing Credit Risk function. Working within a collaborative team, you’ll play a key role in shaping lending strategies, improving customer outcomes and supporting business growth through data-driven decision making. With a range of transformation projects underway, it’s an excellent time to join a business investing heavily in its Credit Risk capability.
THE ROLE
As a Lead Credit Risk Analyst, you will develop and optimise lending strategies across an existing customer portfolio, balancing commercial growth with responsible lending.
Key responsibilities include:
- Develop and implement lending, affordability and credit limit strategies.
- Analyse portfolio performance to identify risks and commercial opportunities.
- Design and evaluate strategy tests to improve customer outcomes.
- Deliver portfolio analysis, MI and customer trend reporting.
- Work closely with modelling teams to implement strategic changes.
- Support the rollout of a new behavioural scorecard and credit decisioning system.
- Present strategic recommendations to senior stakeholders.
- Collaborate across the wider business to deliver key Credit Risk projects.
YOUR SKILLS AND EXPERIENCE
- Experience within Retail Credit Risk or Consumer Lending (e.g. credit cards, loans or mortgages).
- Experience working on Existing Customer Management (ECM), acquisition or lending strategies.
- Knowledge of credit limit management, affordability or pricing strategy.
- Strong SQL skills.
- Exposure to SAS or Python is advantageous.
- Excellent analytical, communication and stakeholder management skills.
THE BENEFITS
- Salary up to £65,000.
- Hybrid working (1 day per week in the office).
- Opportunity to work on high-impact Credit Risk transformation projects.
- Collaborative team with excellent learning and career progression opportunities.
- Exposure to a broad range of Credit Risk initiatives and strategy work.
HOW TO APPLY
Please register your interest by sending your CV to Max at Harnham via the Apply link on this page.

To Apply for this Job Click Here
Lead Credit Risk Analyst
Leicester
£55000 - £65000
+ Risk Analytics
PermanentLeicester, Leicestershire
To Apply for this Job Click Here
Lead Credit Risk Analyst
Leicester (Hybrid) | Up to £65,000
Are you a Credit Risk Analyst looking to take ownership of lending strategy within a large-scale consumer credit environment? This is an opportunity to join a highly established organisation with a significant lending portfolio, where you’ll influence customer credit decisions, optimise commercial performance, and shape strategy through data-driven insights.
The Company
This organisation is a market-leading consumer business with a substantial financial services function supporting millions of customers. They operate a large-scale credit portfolio and use advanced analytics to drive responsible lending decisions and enhance customer outcomes. With continued investment in data and analytics, they offer a collaborative environment where analytical talent plays a central role in business decision-making. Based in Leicester, they offer a flexible hybrid working model.
The Role
As a Lead Credit Risk Analyst, you will sit within the existing customer strategy team, focusing on the ongoing management and optimisation of customer lending decisions.
Responsibilities include:
- Developing and enhancing credit risk strategies for existing customers
- Analysing customer behaviour, spending patterns, and portfolio performance to identify opportunities and risks
- Making recommendations around credit limits, pricing, affordability, and interest rate strategies
- Designing and evaluating strategy changes through detailed analytical investigations
- Delivering insights and recommendations to stakeholders across risk and commercial functions
- Using data to balance customer outcomes, portfolio performance, and business growth
- Supporting the implementation and monitoring of lending strategies across the customer lifecycle
Your Skills & Experience
- Strong commercial experience within retail credit risk, consumer lending, or financial services
- Experience developing, influencing, or optimising credit risk strategies
- Background in existing customer, in-life, affordability, credit limit, pricing, or portfolio strategy analytics
- Advanced SQL skills for data extraction and analysis
- Experience with SAS and/or Python
- Strong analytical and problem-solving capabilities
- Ability to communicate complex findings clearly to both technical and non-technical stakeholders
- Experience working with large customer datasets and translating insights into business action
What They Offer
- Opportunity to lead impactful credit risk strategy initiatives
- Exposure to a large and sophisticated consumer lending portfolio
- Strong career development opportunities within an established analytics function
- Collaborative environment with access to experienced credit risk professionals
How to Apply
If you’re an experienced Credit Risk Analyst looking to move into a highly visible strategy-focused role, please apply with your CV to discuss the opportunity in more detail.

To Apply for this Job Click Here
Senior Product Manager
Chicago
$158206.1 - $219054.6
+ Risk Analytics
PermanentChicago, Illinois
To Apply for this Job Click Here
Senior or Lead Product Manager – Underwriting
Chicago – 3 days per week
Up to $180,000
Senior Product Manager | Lending, Decisioning & Growth | Chicago (Hybrid)
We’re partnering with a rapidly growing fintech that is transforming how lending decisions are made through technology, automation and data.
As they continue to scale, they’re looking for a Senior Product Manager to own a critical lending product area at the heart of the business – credit risk and underwriting. This is an opportunity to move beyond feature delivery and take ownership of products that directly influence customer outcomes, operational performance and revenue growth.
Why this role?
✅ Own business-critical lending products end-to-end
✅ Drive strategy, roadmap and measurable business outcomes
✅ Partner directly with Engineering, Operations, Analytics and Executive Leadership
✅ Solve complex, ambiguous problems with real autonomy
✅ High visibility and significant influence in a growing organisation
What you’ll be doing
- Own the product strategy, roadmap and KPI performance for a lending domain
- Improve operational workflows and customer journeys through product innovation
- Identify bottlenecks and design scalable technology solutions
- Work closely with engineers to define requirements and launch new capabilities
- Analyse performance using SQL and data-driven experimentation
- Balance customer experience, operational efficiency and business goals
- Lead initiatives from discovery through launch with minimal oversight
What we’re looking for
- Product Managers who have owned outcomes, not just roadmaps
- Strong analytical mindset with SQL and experimentation experience
- Experience optimising complex workflows, systems or decision processes
- Comfort working closely with engineers and technical stakeholders
- Ability to operate effectively in fast-moving, low-structure environments
Particularly interested in backgrounds such as:
- Fintech
- Payments
- Lending
- Fraud & Risk
- Decisioning Platforms
- Pricing & Optimisation Products
- Marketplace or Operationally Complex Systems
- AI / Machine Learning Products
Package
$120,000 – $180,000 Base
10-15% Annual Bonus
Chicago Hybrid (3 days onsite)
❌ No Visa Sponsorship

To Apply for this Job Click Here
VP Credit Risk, Analytics & Data Science
$279903.1 - $365091
+ Risk Analytics
PermanentUSA
To Apply for this Job Click Here
VP Credit Risk Strategy & Data Science
United States (Remote)
Circa $250,000+ Salary
Build the Next Generation of SMB Lending
A high-growth SMB lender is looking for a senior credit leader to help shape the future of its credit operating system.
The business has already built strong foundations across underwriting, portfolio management, and risk governance. This isn’t a turnaround story or a traditional “keep the lights on” credit role.
The next chapter is about:
- Growth in risky segments
- New products
- Smarter underwriting
- Deeper use of machine learning
- Automated decisioning
- Better portfolio intelligence
- Faster translation of data into action
We’re looking for someone who sits comfortably at the intersection of credit strategy, analytics, and data science.
What You’ll Be Doing
- Own credit strategy across originations, portfolio management, and customer lifecycle
- Lead Data Science to build, deploy, and optimize ML-driven decisioning
- Turn portfolio insights into pricing, limit, and policy decisions
- Drive experimentation frameworks, monitoring, and continuous strategy improvement
- Influence how underwriting evolves as the business scales
- Help lead and develop a growing team spanning credit, analytics, and data science
- Work directly with senior leadership on growth, profitability, and risk appetite
What We’re Looking For
You don’t need to be a hands-on data scientist today, but you should be comfortable operating in model-driven environments.
Typically, successful backgrounds include a mix of Credit Strategy & Data Science, making this search difficuly. If you have lived across htese worlds this world is perfect for you.
Ideally you’ll have:
- Experience within fintech, lending, embedded finance, cards, or SMB finance
- Successful ownership of credit strategy in a growth environment
- Strong understanding of ML-driven underwriting and portfolio analytics
- Exposure to alternative data, cash-flow underwriting, or transaction-based decisioning
- Experience owning growth vs loss trade-offs
- Ability to challenge and guide Data Science teams, not just consume their outputs
Why This Role?
- Founder-led business
- Significant executive visibility
- Ability to influence company strategy
- High degree of autonomy
- Real investment in data, analytics, and ML
- Opportunity to help define what credit decisioning looks like over the next several years
This is a role for someone who enjoys building, not maintaining.

To Apply for this Job Click Here
Credit Operations Analyst
London
£50000 - £70000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Credit Operations Analyst
London
£50,000 to £70,000
This is an opportunity to join a growing, data-led financial services business where you will directly influence how credit decisions are made at scale. The role offers strong exposure across credit, data, and product, with a clear focus on automation and impact.
The Company
They are a fast-growing, technology-driven financial services organisation focused on improving how consumers manage their finances. The business takes a data-first approach, using modern tools and customer insights to inform decision-making. With continued growth and investment in their data capabilities, they are building out a high-performing analytics and credit function.
The Role
You will work at the intersection of credit risk, data, and decisioning, helping to improve and automate lending processes.
- Develop and enhance automated credit decisioning and underwriting logic
- Analyse lending performance and identify opportunities to improve accuracy and efficiency
- Collaborate with product, engineering, and credit teams to reduce manual processes
- Use customer and transactional data to inform lending decisions
- Support improvements in affordability assessment and decision frameworks
- Contribute to building a scalable, data-driven credit operation
Your Skills & Experience
- Strong commercial experience in credit risk within a lending environment
- Experience working on underwriting, decisioning, or credit policy using data
- Strong SQL skills for data analysis and manipulation
- Ability to translate data insights into practical lending decisions
- Solid understanding of how credit decisions are made
- Exposure to affordability assessment or open banking data is beneficial
What They Offer
- Salary between £50,000 and £70,000
- Share options
- Private medical insurance
- Statutory pension
- Opportunity to join a growing business with strong career development potential

To Apply for this Job Click Here
Pricing Manager – Insurance
London
£65000 - £70000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Pricing Manager – Insurance
London
£65,000 to £70,000 + bonus and benefits
This is a high-impact opportunity to take ownership of pricing decisions within a growing personal lines environment. The role offers a strong balance of leadership and hands-on analytical work, with a clear focus on commercial impact rather than pure modelling. You will play a key role in shaping pricing strategy and responding to market trends in a data-driven way.
The Company
They are an established UK insurer with a strong and growing customer base, continuing to invest in pricing, data, and analytics capabilities. Their pricing function plays a central role in business decision-making, working closely with actuarial, underwriting, and data teams. The environment encourages curiosity, collaboration, and the use of new data to challenge existing approaches.
The Role
- Lead and develop a small team of analysts, providing guidance and prioritising workload
- Translate model outputs into clear, commercially actionable pricing decisions
- Analyse claims, policy, and market data to identify pricing opportunities
- Enhance existing pricing models by integrating new datasets and improving performance
- Work cross-functionally with actuarial, data science, and underwriting teams
- Identify market trends and ensure pricing strategies remain competitive and profitable
- Support the delivery and execution of pricing strategy
Your Skills and Experience
- Strong commercial experience within pricing, analytics, or a related discipline
- Ability to interpret data and translate insights into clear business actions
- Experience working with or assessing pricing or risk models
- Exposure to personal lines insurance is beneficial, but strong analytical backgrounds from adjacent sectors are also considered
- Working knowledge of Python or R, with SQL as a useful addition
- Interest in leadership, with experience mentoring or managing others or a clear motivation to do so
- Strong stakeholder communication and influencing skills
What They Offer
- Salary up to £70,000, with some flexibility for exceptional candidates
- Performance-related bonus and a comprehensive benefits package
- Hybrid working model with approximately one day per week in the office
- Private medical cover, pension contribution, life assurance, and wellbeing support
- Clear progression opportunities within a growing pricing and analytics function

To Apply for this Job Click Here
Head of Analytics (FS)
London
£90000 - £150000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Head of Analytics (FS)
London (on-site 3 days per week)
£90,000 to £150,000 – dependent on level
This is a senior leadership role at the centre of an organisation-wide shift towards insight-led decision-making and AI-enabled analytics. You will shape how analytics operates as a shared service, influencing strategy while remaining hands-on.
The Company
They are a data-driven organisation undergoing significant transformation across analytics, reporting, and decisioning. With a strong commercial focus, they are investing in modern data platforms, automation, and AI to improve how insight is generated and used. Analytics plays a critical role in supporting growth and executive decision-making.
The Role
- Lead a centralised Analytics and MI function operating as a shared service
- Balance strategic leadership with hands-on analytics delivery
- Move the function from reporting to actionable, commercial insight
- Embed AI tools and automation into analytics workflows
- Oversee scalable data, reporting, and governance foundations
- Line manage decisioning capability and oversee platform migration
- Influence senior stakeholders across Finance, Marketing, and leadership teams
Your Skills and Experience
- Strong leadership experience within analytics or MI functions
- Proven ability to turn data into clear commercial recommendations
- Confidence influencing senior stakeholders, including C-suite
- Hands-on capability with SQL and ideally Python
- Experience with modern data stacks and BI tools
- Practical exposure to AI tools within analytics environments
What They Offer
- Salary of £90,000 to £150,000
- Bonus
- Private health insurance
- Pension scheme
- 25 days holiday
- High visibility role with significant influence and progression

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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