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 Consultancy Manager
London
£100000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Consulting Manager
Salary
£100,000-£120,000 + bonus
Location + work pattern
London or Leeds (Hybrid – 2 days per week in office/client site as required)
THE COMPANY
This organisation is a well-established provider of data, analytics and decisioning solutions to major financial services, fintech and payments businesses. As part of a strategic expansion, they are investing in a high-impact consulting function designed to help clients turn data into tangible commercial outcomes across the customer lifecycle.
THE ROLE
You will lead end-to-end analytics consulting engagements, acting as a trusted advisor to senior stakeholders while helping to build and scale a growing consulting capability. This is a highly visible role with clear progression into leadership.
Specifically, you can expect to be involved in:
- Leading delivery of analytics-led consulting projects from problem definition to actionable recommendations
- Owning senior client relationships across banking, fintech and payments organisations
- Translating complex analytical outputs into clear, commercially focused insights
- Supporting business development through proposals, pitches and shaping new opportunities
- Collaborating with data science and analytics teams to deliver scalable, high-quality solutions
YOUR SKILLS AND EXPERIENCE
- Proven experience in analytics or data-led consulting within financial services, fintech or payments
- Experience within a credit risk environoment, working on customer acquisition or ECM.
- Strong client-facing skills with the ability to manage senior stakeholders and lead project
- Ability to communicate complex ideas clearly to both technical and non-technical audiences
- Understanding of lending products (e.g. credit cards, loans, mortgages) and customer lifecycle analytics
- Familiarity with analytical tools such as SQL, Python or visualisation platforms
THE BENEFITS
- Performance-related bonus
- Competitive ension and healthcare package
- Generous annual leave allowance
- Flexible and hybrid working model
- Ongoing learning and development opportunities
THE PROCESS
- Initial interview
- Case study / presentation stage
- Final senior stakeholder interview
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Senior Consultancy Manager
Leeds
£100000 - £120000
+ Risk Analytics
PermanentLeeds, West Yorkshire
To Apply for this Job Click Here
SENIOR CONSULTANCY MANAGER
UP TO £100,000-£120,000 PLUS BONUS
LEEDS
HYBRID WORKING (2 DAYS PER WEEK IN-OFFICE)
Are you looking for an opportunity to step into a high-impact, client-facing role where you can lead complex analytics engagements and influence strategic decision-making? This position offers the chance to work at the forefront of data-driven consulting, partnering with leading financial services organisations to deliver commercial outcomes and shape a growing advisory practice.
THE COMPANY
This organisation is a well-established global provider of data, analytics, and decisioning solutions, working with clients across banking, fintech, payments, and broader consumer markets. They are investing heavily in building out a high-impact advisory and consulting capability, helping clients translate data into measurable commercial outcomes.
THE ROLE
This is a senior, client-facing role leading end-to-end analytics consulting engagements while helping shape and grow a new consulting practice. You will act as a trusted advisor to senior stakeholders, combining delivery leadership with commercial contribution.
Specifically, you can expect to be involved in the following:
- Leading analytics-driven consulting projects from problem definition through to implementation and value realisation
- Managing senior stakeholder relationships across financial services clients
- Translating complex analytical outputs into clear, commercial recommendations
- Supporting business development through proposals, pitches, and client engagement
- Collaborating with data science and analytics teams to deliver scalable, high-quality solutions
SKILLS AND EXPERIENCE
The successful Senior Consultancy Manager will have the following skills and experience:
- Strong background in analytics or data-led consulting within financial services, fintech, or payments
- Experience leading client engagements and managing senior stakeholders
- Ability to translate technical insights into strategic, commercial outcomes
- Knowledge of credit risk, customer lifecycle, fraud, pricing, or segmentation analytics
- Familiarity with analytical tools such as SQL or Python (hands-on experience beneficial)
BENEFITS
The successful Senior Consultancy Manager will receive a salary up to £100,000-£120,000 as well as a comprehensive benefits package.
To Apply for this Job Click Here
VP Credit Risk and Data Science
New York
$200000 - $300000
+ Risk Analytics
PermanentNew York
To Apply for this Job Click Here
VP Credit Risk – Data Science, Analytics & Strategy
Remote within US
No visa sponsorship
Up to $250,000 + Bonus
A fast‑growing SMB finance business is hiring a senior credit leader to help take an already‑strong credit operating system into its next phase.
The foundations are in place:
solid underwriting, established portfolio monitoring, deployed controls, and proven growth. The focus now is speed, automation, and intelligence – scaling ML‑driven decisioning so portfolio insights translate directly into automated offers, pricing, and limit actions across the credit funnel.
This role is designed to add deep external ML and analytics firepower to the organisation – not just to refine rules, but to help push credit strategy into the future and spearhead credit analytics for the organisation.
What you’ll be responsible for
- Owning credit policy and analytics across origination, portfolio monitoring, and customer management.
- Leading the next generation of ML‑driven credit models, including portfolio‑level modelling, monitoring, drift detection, and retraining strategy.
- Helping transition credit decisions toward increasingly automated offers and funnels, without sacrificing risk discipline.
- Translating portfolio signals into clear policy, pricing, and growth actions at speed.
- Partnering closely with Product, Engineering, and Operations to productionise analytics into decision engines.
- Acting as a visible senior leader and external benchmark for the credit and analytics team to aspire to.
What they’re looking for
- 8-12+ years in credit, decision science, analytics, or risk within fintech, SMB lending, cards, or adjacent data‑intensive environments.
- Very strong ML and analytics fundamentals, especially applied to portfolio‑level decisioning.
- Experience working in businesses where data and models directly drive live credit decisions.
- Comfortable moving beyond rule‑based credit toward more automated, model‑driven strategies.
- SMB experience preferred, but equally valuable is proven work in messy, real‑world credit environments.
- A leader who can both raise the technical bar and inspire the next layer of talent.
Why this role is interesting
- Credit and analytics fundamentals are already strong – this is about propelling the system forward, not rebuilding it.
- Significant scope to shape how ML is embedded into credit strategy over the next few years.
- High visibility role with real influence over product direction and growth.
- Opportunity to be the external reference point in a scaling credit organisation.
To Apply for this Job Click Here
Senior Manager – Consultancy
London
£100000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Engagement Manager – Analytics Consulting
London or Leeds
£100,000 – £120,000
This is a high impact opportunity to join a growing analytics consulting capability within a global data driven business. You will lead client engagements, shape solutions, and play a key role in building a consulting practice with clear progression into leadership.
The Company
They are an established, international organisation specialising in data, analytics and decisioning. They consult with major financial services and fintech clients to solve complex commercial challenges. They are investing in expanding their advisory offering, moving beyond products into end to end consulting. This creates the opportunity to help shape a new and growing function.
The Role
- Lead analytics consulting projects end to end
- Act as the main client contact for senior stakeholders
- Translate data into clear commercial recommendations
- Work with data science and analytics teams to deliver solutions
- Support proposals, pitches and client discussions
- Contribute to building the consulting practice
- Deliver projects across credit risk, pricing, fraud and customer strategy
Your Skills & Experience
- Experience in analytics or data led consulting within financial services, fintech or payments
- Strong stakeholder management and client facing delivery
- Ability to turn analytics into commercial outcomes
- Background in credit risk, customer analytics or related areas
- Exposure to SQL, Python or similar tools
- Consulting experience is essential
What They Offer
- £100,000 – £120,000 base salary + bonus
- Hybrid working with client exposure
- Opportunity to shape a growing consulting function
- Clear progression into leadership roles
- Strong benefits and development opportunities
To Apply for this Job Click Here
Head of Strategy and AI (FS)
London
£90000 - £150000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Head of Strategy and AI (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
- 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/strategy functions, ideally within financial services
- Clear examples of developing strategies off the back of data work
- Proven ability to turn data into clear commercial recommendations
- Confidence influencing senior stakeholders, including C-suite
- Hands-on capability with SQL and ideally Python
- 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
Head of Analytics
London
£90000 - £150000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Head of Analytics
Salary
£90,000-£150,000 + bonus + benefits
Location + work pattern
London (Hybrid – 2-3 days in office)
THE ROLE
This is a senior leadership opportunity to build and lead a centralised Analytics & MI function operating as a shared service across multiple business areas. The role blends strategic direction with hands-on delivery, with a strong focus on turning data into actionable commercial insight.
Specifically, you can expect to be involved in:
- Leading and developing a high-performing analytics function, including managers and analysts
- Driving the shift from reporting to insight-led, decision-ready analytics across the business
- Embedding AI tools and automation into analytics workflows to enhance efficiency and impact
- Overseeing scalable data models, reporting automation, and governance frameworks
- Acting as a senior stakeholder partner, influencing priorities and delivering commercially relevant insight
YOUR SKILLS AND EXPERIENCE
- Proven experience leading Analytics or MI teams in a complex business environment
- Strong ability to translate data into clear, commercially actionable recommendations (“so what” thinking)
- Experience engaging and influencing senior stakeholders, including executive-level leaders
- Hands-on technical capability with SQL; Python or similar tools beneficial
- Familiarity with modern data platforms and visualisation tools (e.g. cloud data warehouses, BI tools)
- Understanding of AI tools and how they can be applied within analytics workflows
THE BENEFITS
- Competitive salary with performance-based bonus
- Private healthcare and pension contribution
- Generous annual leave allowance
- Opportunity to shape a modern, AI-enabled analytics function
- High visibility role with direct exposure to senior leadership
THE PROCESS
- Initial screening
- Interview with senior leadership
- Technical case study and presentation
- Final panel interview
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Senior Credit Risk Analyst
London
£50000 - £55000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Credit Risk Analyst
Salary
£50,000-£55,000
Location + work pattern
London (Hybrid – 3 days in office, 2 from home)
THE COMPANY
This organisation operates within the consumer lending space with a strong focus on financial inclusion and ethical lending practices. They are committed to improving accessibility to credit while supporting customers through transparent and responsible solutions. The business is growing and investing heavily in its data and risk capabilities.
THE ROLE
This is a high-impact position sitting within the credit risk function, focused on both analytics and strategy. You will work closely with senior stakeholders to enhance decisioning, monitor performance, and shape future lending strategies.
Specifically, you can expect to be involved in:
- Analysing portfolio performance and identifying trends across the credit lifecycle
- Developing and maintaining dashboards and reports using SQL and Power BI
- Supporting scorecard development, monitoring, and optimisation
- Translating business needs into data-driven solutions and recommendations
- Contributing to credit strategy, policy development, and risk mitigation initiatives
YOUR SKILLS AND EXPERIENCE
- Strong experience in credit risk within consumer lending, banking, or fintech
- Ability to work with data to analyse performance and inform business decisions
- Proficiency in SQL and Power BI for data extraction, analysis, and visualisation
- Understanding of credit models, scorecards, or lending strategies
- Strong communication skills, with the ability to present insights clearly
THE BENEFITS
- Opportunity to work in a growing, purpose-led organisation
- High level of exposure to senior stakeholders and strategic projects
- Chance to influence key credit risk decisions and business direction
- Collaborative and supportive team environment
THE PROCESS
- Initial interview
- Final stage in-person interview
- Offer!
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Senior Collections Analytics Manager
London
£90000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Collections Analytics Manager
London
£90,000 to £120,000 plus benefits.
This is a high impact opportunity to take ownership of a critical area within a fast growing, data led business. You will shape collections and recoveries strategy, influence core commercial outcomes, and partner directly with senior leadership. With strong backing, proven profitability, and international expansion underway, this role offers both immediate impact and long term career growth.
The Company
They are a high growth, data driven organisation focused on delivering innovative financial solutions to both consumers and businesses. With a strong emphasis on sustainability and responsible business practices, they are building a scalable model supported by leading institutional investors. Having recently achieved profitability, they are now entering a new phase of growth, expanding internationally and strengthening their analytics capability. The team attracts talent from leading fintech and data environments and places analytics at the centre of decision making.
The Role
You will lead strategy and analytics across collections and recoveries, owning performance and driving continuous improvement through data.
- Develop and optimise collections and recoveries strategies to improve performance and unit economics
- Use advanced SQL to interrogate complex, multi source datasets and identify actionable insights
- Partner with operations, finance, product, and engineering teams to deliver data driven solutions
- Own key initiatives across customer journeys, operational processes, and partner strategy
- Translate analysis into clear recommendations that influence senior stakeholders
- Manage and develop a direct report while contributing to the wider analytics function
- Support broader strategic projects across both consumer and business segments
Your Skills and Experience
- Strong commercial experience in collections, credit risk, lending, or related analytics environments
- Advanced SQL capability, with confidence working directly with complex and varied data sources
- Proven track record of using data to drive decision making and measurable business outcomes
- Experience balancing commercial trade offs across multiple stakeholders
- Comfortable working cross functionally in a fast paced environment
- Exposure to Python or similar tools is beneficial but not essential
- Experience within fintech, financial services, or other data rich industries is advantageous
What They Offer
- Salary of £90,000 to £120,000
- Hybrid working, typically three days per week in the London office
- Opportunity to work with a high calibre leadership team in a scaling business
- Strong career progression within a growing analytics function
- Exposure to high impact, strategic work across multiple markets
- Competitive benefits package including equity potenti
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 ANALYST
UP TO £60,000-£75,000 PLUS BONUS
LONDON
HYBRID WORKING (2-3 DAYS PER WEEK IN-OFFICE)
Are you looking for an exciting opportunity to join a high-growth, data-led fintech where you can take real ownership of credit strategy and drive commercial impact? This role offers the chance to lead on key lending decisions, working across products to optimise performance through advanced analytics and strategic insight.
THE COMPANY
This organisation is a well-established UK-based digital bank and lending provider, known for its strong growth, customer-centric approach, and innovative use of data. With a broad suite of lending products, they invest heavily in advanced analytics, technology, and data science to stay ahead in the market.
THE ROLE
This role sits within a central credit strategy function, supporting key lending products through data-driven decision-making. You will work on building and optimising credit strategies, influencing business performance, and collaborating cross-functionally.
Specifically, you can expect to be involved in the following:
- Designing and optimising credit strategies and decisioning processes
- Analysing large datasets to identify trends and opportunities for performance improvement
- Developing models and forecasts to support lending, pricing, and commercial decisions
- Partnering with product, data science, and engineering teams to implement strategies
- Monitoring portfolio performance and recommending data-led enhancements
SKILLS AND EXPERIENCE
The successful Senior Credit Risk Analyst will have the following skills and experience:
- Experience in credit risk analytics within consumer lending
- Strong SQL and/or Python skills for data manipulation and analysis
- Ability to interpret data and communicate insights clearly to stakeholders
- Experience working with credit strategy, policy, or decisioning frameworks
- Strong problem-solving skills with a structured and analytical approach
BENEFITS
The successful Senior Credit Risk Analyst will receive a salary up to £60,000-£75,000 as well as a comprehensive benefits package.
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 – 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
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 – 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
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.
Client /
Data Direction – Broadcast Media
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 – 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 – 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.
