RISK ANALYTICS
FOCUS
We place talented analytical professionals into the Risk Analyst positions that come with so much responsibility.
We appreciate the importance of protecting the world’s interests and know the role that data has to play. Our dedicated Risk Analytics team fully understands risk analytics in finance and decision science, as well as the significance of knowing your market.
As within the world of Risk Analytics, the customers we work with differ by location, size and industry. We have experience across all the major marketplaces and can assist you, whether you are hiring to reinforce an existing presence or build a new one.
HOW WE
DO IT
To ensure effective, risk-free solutions for our clients and candidates, our recruitment solutions in this marketplace are determined by tried and tested methods.
We appreciate the importance of protecting the world’s interests and know the role that data has to play. Our dedicated Risk Analytics team fully understands risk analytics in finance and decision science, as well as the significance of knowing your market.
As within the world of Risk Analytics, the customers we work with differ by location, size and industry. We have experience across all the major marketplaces and can assist you, whether you are hiring to reinforce an existing presence or build a new one.
WHAT SETS
US APART?
Harnham appreciates the significant resources and sophisticated programs used to analyse and manage risk.
We are dedicated to the people who ensure banks and other financial institutions can identify, measure, monitor and control their credit risk.
We successfully recruit across the full spectrum of skill sets required to support this, from Customer Acquisition to Portfolio Management, Fraud Analytics to Collections & Recoveries, as well as Risk Audit to Credit Risk .
Whether you’re looking for a new opportunity or another team member, we can help you find your ideal solution.
As working from home becomes ever more common, you can now search Remote Risk Analytics Jobs.
DECISION
SCIENCE
Every aspect of business now benefits from the efficiencies that the extrapolation of insights from analytics can deliver.
The collaborative approach of Decision Science teams helps the decision-making process achieve far superior results than ever before. Combining mathematical equations, tech and behavioural sciences for the most informative insights is now standard and has seen the industry progress at a rapid rate.
PORTFOLIOÂ
ANALYST
Global risk and portfolio profiling help brands understand success across metrics such as currencies and economies. Understanding and increasing growth, as well as market share, through skilled optimisation, is a coveted skill set we hire for.
Strategic planning and stress testing to balance risk are paramount for the businesses we work with to maximise returns, and getting the most out of a portfolio is something all Harnham candidates are well versed in.
AIRB
MODELLING
Advanced Internal Ratings-Based Modelling (AIRB) refers to a set of Credit Risk measurement techniques which has allowed banks to develop models which can help them quantify the required capital for Credit Risk.
The development of PD, EAD and LGD models within the banking sector is a very important, but also very niche, skillset into which Harnham has focused on sourcing, understanding, and assessing both candidate abilities and client needs.Â
FRAUD
ANALYST
Fraud Analytics is an essential part of any business when it comes to profit and loss. To mitigate risk, our clients work to understand the drivers of fraud and its ultimate prevention through analytics.
Predicting future areas of fraud, mitigating risk, and protecting their clients and customers without damaging the accessibility and success of their products and services, is a key advantage to any business.
JOBS
LATEST RISK &
FRAUD OPPORTUNITIES
Harnham are a specialist Data & AI recruitment business with teams that only focus on niche areas.
Senior Credit Strategy Analyst
City of London
£65000 - £75000
+ Risk Analytics
PermanentCity of London, London
To Apply for this Job Click Here
Senior Credit Strategy Analyst
Up to £75,000
Hybrid
London
The Company
I am hiring for a Senior Credit Strategy Analyst at a leading, dynamic FinTech based in London. In this role, you will bring your credit risk strategy experience to help drive business growth and profitability, using tools like SQL and Python alongside your strong commercial understanding of credit.
The Role
As a Senior Credit Strategy Analyst, you will be:
- Developing new insights to optimise credit risk strategies
- Identifying trends in customer data to inform broader business decisions
- Creating and enhancing credit strategies for both acquisitions and existing customers
- Collaborating with senior leadership to implement and refine strategies
- Using SQL and Python daily for hands-on strategy development
Your Skills and Experience
To be successful as a Senior Credit Strategy Analyst, you will need:
- Proven experience in a credit risk strategy analyst role
- A background in fast-paced, high-growth environments
- Hands-on experience developing strategies for acquisitions and/or existing portfolios
- Experience working with unsecured lending products such as credit cards or loans
- Strong SQL and Python skills
- A STEM degree from a top university
Benefits
Up to £75,000 + Benefits
To Apply for this Job Click Here
Senior credit risk analytics/ strategy specialist
London
£50000 - £70000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior credit risk analytics/ strategy specialist
London- hybrid
Up to £70k
You’ll sit in a lean risk team with high visibility and full ownership of strategy across the credit lifecycle. This means getting hands-on with data in SQL & Python, but also thinking commercially and helping shape how lending decisions are made.
THE ROLE
- Own and develop risk strategies across origination, pricing, limit management, and collections
- Use SQL and Python to extract, analyse, and manipulate large data sets to drive decision-making
- Design and optimise risk-based pricing, affordability assessments, and credit limit frameworks
- Work closely with product teams to embed credit risk logic into lending journeys and decisioning tools
- Partner with data science to develop, validate, and implement predictive models (e.g., scorecards, affordability models)
REQUIREMENTS
- Strong SQL and Python-you know how to pull and manipulate large datasets independently
- Proven experience in credit risk strategy within consumer lending or FinTech
- End-to-end understanding of the credit lifecycle
HOW TO APPLY
Please upload CV below
To Apply for this Job Click Here
Senior Decision Scientist – Credit Risk Modelling
£70000 - £100000
+ Risk Analytics
PermanentEngland
To Apply for this Job Click Here
Senior Data Scientist – Credit Risk Modelling
£70-100,000 (dependent on experience)
REMOTE WITHIN UK
THE COMPANY
This is an exceptional opportunity to join a well-funded fintech startup at a pivotal moment in its journey. With backing from respected investors and a founding team experienced in launching and scaling high-growth ventures, the business is now entering a key build phase.
As the first hire within credit risk, the organisation is seeking an experienced Lead Scorecard Modeller to take ownership of the design and development of all risk models and frameworks from the ground up. This is a highly strategic role offering significant autonomy, technical challenge, and visibility across the wider business
THE ROLE
- Design and build the company’s first scorecards – acquisition, behavioural, and collections
- Choose and justify modelling techniques (traditional, hybrid, or even ML-informed)
- Define the credit strategy and lending criteria from the ground up
- Partner with data engineering to ensure the data pipelines and feature stores support what you need
- Play a hands-on role in regulatory documentation, governance, and model risk management
YOUR SKILLS AND EXPERIENCE:
- Proven track record in developing credit risk scorecards, ideally across multiple lifecycle stages (e.g. application, behavioural, and collections)
- Strong statistical and analytical skills with proficiency in Python
- Understanding of regulatory requirements relating to credit risk, including model governance and validation
- Experience collaborating with cross-functional teams including data engineering and product
- Self-starter with the ability to operate autonomously and take initiative in an unstructured environment
SALARY AND BENEFITS
- Base salary from £70-100,000 depending on experience
- Company pension scheme
- Private medical care
HOW TO APPLY
Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link
To Apply for this Job Click Here
Senior Pricing Data Scientist
City of London
£75000 - £85000
+ Risk Analytics
PermanentCity of London, London
To Apply for this Job Click Here
Senior Pricing Data Scientist
London
Hybrid (1 day per week in office)
Up to £85,000
Company:
I’m hiring for a fast-growing InsurTech that’s reshaping how insurance pricing is done. They’ve attracted major investment and are building out a best-in-class pricing and data science team to support their rapid growth. As a Senior Pricing Data Scientist, you’ll play a key role in designing and deploying advanced pricing models that directly impact revenue and profitability
The Role:
- Build and deploy pricing models using statistical and machine learning techniques
- Analyse large datasets to understand risk and performance across products
- Develop pricing strategies that support customer growth and profitability
- Work closely with engineering and product teams to integrate models into live systems
- Modelling market insurance premiums on/for aggregators
- Present pricing insights and strategy recommendations to senior stakeholders
Experience Required:
- Experience in insurance pricing (motor, home, travel, or similar)
- Strong Python and SQL skills
- Experience building pricing models (GLMs essential, ML models a plus)
- Experience modelling insurance premiums
- Strong communication skills, comfortable working with senior stakeholders
- Degree in a STEM subject
Benefits:
Up to £85,000 base salary
To Apply for this Job Click Here
IFRS9/ SCORECARD MODEL DEVELOPMENT ANALYST
London
£50000 - £65000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
IFRS9 & Scorecard Model Development Analyst
FinTech – London / Hybrid
£50,000 – £65,000
This is a rare opportunity to take on end-to-end model ownership at a high-growth FinTech that’s genuinely doing something different in the lending space.
You’ll be joining a lean, technical team where your models actually go into production-quickly. That means real-world impact, clear feedback loops, and no long-winded sign-off processes.
THE ROLE
-
Develop and maintain IFRS9 models: PD, LGD, and EAD models across various lending portfolios
-
Design and build credit scorecards: Acquisition, behavioural, and collections scorecards using industry best practices (e.g. WOE binning, logistic regression)
-
End-to-end model ownership: From data extraction and feature engineering to validation and deployment
-
Collaborate cross-functionally: Work closely with credit risk, data engineering, product, and compliance teams
-
Support model governance and documentation: Ensure models meet regulatory expectations and internal standards
-
Conduct model monitoring and performance analysis: Regularly assess backtesting results and recalibrate when needed
REQUIREMENTS
- Strong experience building IFRS9 models (PD, LGD, EAD)
- Hands-on credit scorecard development (
- Python or SAS (ideally both)
- Solid understanding of lending products and credit risk lifecycle
HOW TO APPLY
Please send CV below or
To Apply for this Job Click Here
IFRS9 Modelling Lead
Manchester
£60000 - £90000
+ Risk Analytics
PermanentManchester, Greater Manchester
To Apply for this Job Click Here
IFRS9 MODELLING LEAD
£90,000
MANCHESTER/LONDON
THE COMPANY
This company is a unique digital lender who are seeking an experienced IFRS9 Modeller to join their close-knit and supportive team. The business are well known for their innovative and fast-paced culture, with this role offering an exciting opportunity to work in a varied position where you can gain exposure across the business whilst leading a small team.
THE ROLE
- Lead the end-to-end development of IFRS9 models across a range of products
- Assist the wider team with broader model projects including application and behavioural scorecards
- Work closely with the model validation team to enhance model performance
- Manage a small team of analysts to drive the team to success and enhance performance of the business
YOUR SKILLS AND EXPERIENCE
- Essential to have experience developing IFRS9 models
- Coding experience in Python and SQL is essential
- Prior management experience is desirable but not essential
- Ability to own projects and lead on delivery
SALARY AND BENEFITS
- Up to £80,000 base salary
- Pension contribution scheme
- Private medical care
- Wider benefits package
HOW TO APPLY
Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link
To Apply for this Job Click Here
Credit Risk Analyst – Collections Strategy
£35000 - £45000
+ Risk Analytics
PermanentEast Midlands
To Apply for this Job Click Here
CREDIT RISK ANALYST – COLLECTIONS STRATEGY
£45,000
EAST MIDLANDS
THE COMPANY
This company is a leading retailer in the UK that have a unique credit offering. This offers an excellent opportunity for someone with a year or two’s experience in the credit space to extend on their work within a successful and close-knit business.
HE ROLE
- Developing and building out their collections strategy and wider function
- Assessing existing collections policies and customer strategies to enhance performance
- Work and communicate closely with senior members and other teams within the business, including operations and underwriting
- Building out MI and wider reporting frameworks to monitor collections strategies and performance
YOUR SKILLS AND EXPERIENCE:
- Essential to have experience in driving collections strategies within financial services
- Ideal to have developed collection strategies to enhance debt collection, reduce losses etc
- Experience using SQL or Python for data analysis is essential
SALARY AND BENEFITS
- Base salary of up to £45,000
- Free on-site parking
- Discretionary bonus
- Pension contribution scheme
- On-site amenities
HOW TO APPLY
Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link
To Apply for this Job Click Here
Senior Pricing Analyst
London
£35000 - £45000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
PRICING MODELLING ANALYST
UP TO £45,000
REMOTE (London)
This is an exciting opportunity to take ownership of the pricing models and innovate and refresh predictive models within this companies predictive modelling suite.
THE COMPANY
This company is an exciting, growing business in the insurance space, offering an array of home insurance products.
THE ROLE
You will be doing the following daily:
- Develop, innovate, and update predictive models within the retail pricing system.
- Ensure models directly impact pricing, enhance customer experience, and boost commercial performance.
- Run split tests on existing models, track results, and recommend improvements.
- Work with the Senior Pricing Analyst to adjust price selection logic based on trading performance.
- Coordinate with Retail Pricing, Technical Pricing, Data Science, Software Engineering, and Marketing teams to provide insights that drive business performance.
- Utilize SQL for data access and Python for data processing, modeling, and pricing.
- Work within custom-built software for optimal price setting, rather than relying on standard price tools.
- Analyse data from millions of quotes to identify revenue growth opportunities through pricing strategies.
- Operate in a fast-paced setting, implementing frequent price adjustments and observing results quickly.
- Collaborate with software developers to adapt and optimize the pricing tools based on identified market opportunities
YOUR SKILLS AND EXPERIENCE
- Previous modelling experience in an insurance setting is ideal.
- Strong Python skills are desirable.
- Highly analytical.
- Numerate degree from a Russel Group university.
- Excellent written and verbal communication skills.
THE BENEFITS
- Up to £45,000.
- Flexible working, mostly hybrid.
- Discretionary bonus.
HOW TO APPLY
Please register your interest by sending your CV to Gaby Adamis via the Apply link on this page.
To Apply for this Job Click Here
Lead Credit Strategy Analyst
Manchester
£40000 - £55000
+ Risk Analytics
PermanentManchester, Greater Manchester
To Apply for this Job Click Here
LEAD CREDIT RISK STRATEGY ANALYST
£55,000
MANCHESTER
THE COMPANY
This growing UK Bank are seeking an experienced candidate to lead credit strategy and wider analytics across their lending book. This role offers an excellent opportunity to drive insight in a hands-on analytical role, whilst owning projects and profitability for the business.
THE ROLE
- Developing end-to-end lending strategies across the lending portfolios
- Broader portfolio analysis and driving insight into customer trends and behaviours
- Close work with internal and external stakeholders to drive business performance
- Co-ordination with wider teams to deploy strategies and working closely with senior stakeholders to implement change
YOUR SKILLS AND EXPERIENCE
- Prior consumer lending experience is essential, in lending strategy work
- Prior experience in portfolio analytics, customer analytics and wider reporting in a credit risk environment is essential
- Experience using SAS, SQL or Python
SALARY AND BENEFITS
- Up to £55,000 starting salary
- Discretionary bonus
- Pension contribution scheme
- 26 days holiday
- Private medical scheme
HOW TO APPLY
Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link
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.
Client – Director of Customer Data Science – Apparel
The team at Harnham have been outstanding in helping our company build a market-leading data science team. Harnham’s communication is great, and the recruiter’s take a consultative approach that’s really focused on provided value for both their clients and their candidates. They provide strong candidates that help us fill our roles with high achievers who are also a great fit for our culture.
Client /
Director of Customer Data Science – Apparel
Candidate – Chief Data Officer
It was a real treat to work with Harnham. My recruiter consistently went above and beyond to ensure that I navigated through the recruitment process as smooth as possible. I had been in contact with other professional at Harnham in the past and I can attest that the level of professionalism is always top-notch.
Candidate /
Chief Data Officer
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 – 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
Candidate – Digital Media and Analytics
I've recently got a short-term contract role through Harnham, and things couldn't have gone better! My recruiter was incredibly helpful throughout the entire process. They also provided incredible admin support so that I could focus on the actual job in hand, rather than having to spend too much time dealing with these matters.
Candidate /
Digital Media and Analytics
Client – 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
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 – 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.
