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.
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
Lead Credit Risk Analyst
Manchester
£60000 - £65000
+ Risk Analytics
PermanentManchester, Greater Manchester
To Apply for this Job Click Here
LEAD CREDIT RISK ANALYST
UP TO £65,000
MANCHESTER
This role does not offer sponsorship.
This company is going through growth and looking to take on a new Lead Credit Analyst. You will set the risk appetite for the company while maintaining and monitoring performance of portfolios. You will be able to shape and drive credit strategy for unsecured lending products.
THE COMPANY
This is an exciting opportunity to work for a global banking and financial services institution. With over 150 years of history this company is well established and known for its services globally.
THE ROLE
You will be doing the following daily:
- Develop, enhance, and optimise credit risk and collections strategies, leveraging data-driven insights to make high-quality decisions for our customers.
- Conduct analyses to evaluate credit portfolios against agreed-upon performance indicators, ensuring alignment with strategic goals.
- Drive business growth by contributing to Workforce Planning and Benefits (WPB) initiatives, providing analytics for the design and implementation of new lending products, improving existing features, and managing customer exposure.
- Take the lead on complex analytical projects, seeing them through to completion with minimal guidance.
- Formulate and clearly communicate conclusions and proposals, considering risk, reward, and customer impact, and collaborate with teams to facilitate decision-making.
- Identify solutions to emerging risk issues, changing priorities, project completion challenges, and areas of conflict.
- Challenge established policies and procedures when appropriate, proposing improvements to enhance efficiency.
- Ensure portfolio strategies and processes adhere to relevant regulations and regulatory guidance.
- Foster strong interpersonal relationships, engaging with the broader organization to offer insights and support changes that improve customer outcomes.
- Cultivate relationships with and contribute to the development of junior team members and offshore analysts, enhancing their knowledge, understanding, and experience.
- Provide progress reports on initiatives to Senior Management.
YOUR SKILLS AND EXPERIENCE
- Previous experience working within the Credit Risk space on secured or unsecured products.
- Strong analytical capability, using SAS, SQL or Python
- Knowledge of FCA regulations
- Excellent written and verbal communication skills
- Strong numerical degree for a Russel Group University
- Strong numerical degree from a Russel Group Universities.
THE BENEFITS
- Up to £65,000 salary.
- Tailored professional development opportunities.
- Private healthcare.
- Contributory pension scheme with a generous employer contribution.
- Bonus scheme.
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
Senior Credit Risk Modeller
£50000 - £65000
+ Risk Analytics
PermanentEngland
To Apply for this Job Click Here
SENIOR CREDIT RISK MODELLER
£65,000
LONDON/MANCHESTER
THE COMPANY
This successful FinTech has been growing significantly and has exciting plans and projects in the pipeline. They are at the forefront of the financial space and this role offers a chance for someone to work on hands-on model development across their regulatory and wider models. This unique opportunity offers the rare chance to help grow the business and get involved in a range of modelling projects.
THE ROLE
Within this, you can expect to work on:
- End-to-end development of models across the bank, including IFRS9, Scorecards and Forecasting
- Supporting other teams across the business in the implementation and wider maintenance of these models
- Working closely with the broader bank to implement Machine Learning and AI models
YOUR SKILLS AND EXPERIENCE
- Essential to have experience in model development
- Exposure to IFRS9, Scorecards or wider credit risk models is essential
- Experience in Python is essential
- Educated to at least degree level in a numerate degree
SALARY AND BENEFITS
- Up to £65,000 base salary
- Hybrid work model
- Private medical care
- 25 days holiday
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 Manager/Senior Manager
£60000 - £85000
+ Risk Analytics
PermanentNottinghamshire
To Apply for this Job Click Here
CREDIT RISK MANAGER/SENIOR MANAGER
£60-85,000 dependent on level
REMOTE (ONCE PER MONTH TRAVEL TO MIDLANDS)
THE COMPANY
This lending business are in a rapid period of growth and have very ambitious plans for the next few years. They are looking for an experienced candidate to take the lead in defining their analytics growth and strategic direction for the future, offering the chance to make a real impact in a smaller business.
THE ROLE
- Re-developing and enhancing statistical models, specifically scorecards, to drive insight into the customer journey and enhance business performance
- Design credit risk strategies and provide support on wider lending strategies including optimization and analysis
- Provide wider ad hoc analysis and insight into customer trends and monitor the ongoing performance of credit strategies and portfolios
- Working with external stakeholders and collaborating with wider business areas to communicate improvements and really make an impact
YOUR SKILLS AND EXPERIENCE
- Prior exposure to Credit Bureau data is essential
- Exposure to scorecard models is an essential requirement
- Previous experience in end-to-end scorecard development is highly desirable
- Strong SAS, SQL, Python or R is essential
- Prior management experience essential
SALARY AND BENEFITS
- Base salary – 60-85k depending on level
- Private Medical care
- Pension contribution scheme
- 25 days holiday
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 Manager- (Scorecards/ Strategy)
Nottingham
£60000 - £75000
+ Risk Analytics
PermanentNottingham, Nottinghamshire
To Apply for this Job Click Here
CREDIT RISK MANAGER
NOTTINGHAM- ONCE A MONTH
SALARY UP TO £75,000
Join a leading lender where you will play a pivotal role in shaping and leading the credit risk strategies.
THE ROLE
- Lead the development, execution, and refinement of credit risk strategies across acquisition, account management, and decision-making processes.
- Guide and mentor a high-performing credit risk team, promoting a culture focused on growth, collaboration, and operational excellence.
- Own and continuously improve the credit risk policy framework, decision models, and governance structures to ensure regulatory compliance and audit readiness.
- Provide executive leadership with clear, data-driven insights into portfolio performance and emerging risk trends.
- Build and maintain statistical models (e.g., probability of default models, bureau-based and custom scorecards) to support credit underwriting and customer segmentation.
- Utilize credit bureau data (e.g., TransUnion, Experian) to inform, enhance, and fine-tune risk strategies.
- Perform in-depth exploratory data analysis and ensure high data quality through comprehensive cleaning and validation processes.
- Design and manage A/B testing frameworks to assess and optimize the performance of credit risk strategies.
REQUIREMENTS
- Experience with credit strategy implementation
- Experience building scorecards
- SAS/SQL/ Python
- Experience with credit bureau data
HOW TO APPLY
Please send CVs below or
To Apply for this Job Click Here
Credit Strategy Manager (Business Lending)
City of London
£80000 - £100000
+ Risk Analytics
PermanentCity of London, London
To Apply for this Job Click Here
Credit Strategy Manager (Business Lending)
Up to £100,000
Hybrid
London
The Company
I am hiring a Credit Strategy Manager top innovative business lending business based in London. Within this role you will be bringing your business lending acquisitions and underwriting analytics experience to support the business growth across the business lending portfolio using tools like SQL and Python
The Role
As a Credit Strategy Manager, you will be:
- Developing Credit risk strategies for acquisitions and exciting customers
- Developing new insights to drive credit risk strategies for acquisitions and underwriting automation for business loans
- Detecting new trends on customer data to help increase business revenue across the portfolio
- Analysing both internal and external data to drive credit decisioning.
- Working with senior leadership to implement/improve credit risk strategies.
- Using SQL and/or Python daily for strategy development
Your skills and experience
To be successful as a Credit Strategy Manager, you will need:
- Experience developing acquisitions and/or underwriting strategies for a fintech/top UK bank
- Strong analytics skillset and mathematical way of thinking
- Experience working on business lending/SME portfolios.
- Strong experience developing credit risk strategies using SQL and Python
- A STEM degree from a top university
Benefits
Up to £100,000 + comprehensive benefits package
To Apply for this Job Click Here
Senior Fraud Analytics Consultant
City of London
£55000 - £65000
+ Risk Analytics
PermanentCity of London, London
To Apply for this Job Click Here
Senior Fraud Analytics Consultant
Up to £65,000
Hybrid
London
Company:
One of our Consulting clients are on the lookout for a highly skilled Senior Fraud Analytics Consultant to join their fraud analytics function working closely with clients developing fraud strategies and providing insights on fraud performance using tools like SQL, Python, and Power BI.
Responsibilities:
As a Senior Fraud Analytics Consultant, you will be responsible for:
- Crafting and implementing effective fraud strategies to mitigate risks and protect different clients and customers
- Utilizing SQL, Python, and Power BI to analyze data, identify fraud patterns, and develop predictive models.
- Managing and mitigating various types of fraud, including scams, APP fraud, and third-party fraud.
- Collaborating with multiple vendors to enhance fraud prevention measures and ensure seamless integration.
- Leveraging your experience in the UK banking sector to align strategies with regulatory requirements and industry best practices.
Key Requirements:
- Extensive experience in developing comprehensive fraud strategies.
- Proficiency in SQL, Python, and Power BI.
- In-depth knowledge of scams, Authorized Push Payment (APP) fraud, and third-party fraud.
- Experience working with multiple vendors.
Salary: Up to £65,000 Per Year + Strong Benefits Package
To Apply for this Job Click Here
Senior Credit Portfolio Analyst
Manchester
£55000 - £70000
+ Risk Analytics
PermanentManchester, Greater Manchester
To Apply for this Job Click Here
Senior Credit Portfolio Analyst
Up to £70,000
Manchester
Hybrid
The Company
An excellent opportunity a reputable challenger bank who are focused on delivering both savings, mortgages, business banking, and motor finance to their customers. This role will be sitting in the 2nd line delivering portfolio insights, developing scorecard models, overseeing model implementation, and developing lending strategies.
The Role
As a Senior Credit Portfolio Analyst, you will be:
- Developing and implementing credit risk strategies across different portfolios with the focus on mortgages.
- Developing scorecards for originations/acquisitions
- Implementation of scorecard models for the business
- Overseeing the model development and implementation across the banks portfolios
- Analysis of portfolio trends for actional insights for senior stakeholders
- Using SAS and Python daily in this role.
Your skills and experience
For you to be successful as a Senior Credit Portfolio Analyst, you will need:
- Strong experience working as a credit risk analyst for another bank/fintech
- Experience developing credit risk strategies for lending products.
- Experience using SAS and ideally python
- Experience developing or working on scorecard models
- Strong communication and teamwork skills.
- Mathematical degree
Benefits
Up to £70,000 + competitive benefits package
To Apply for this Job Click Here
Senior Credit Portfolio Analyst
City of London
£55000 - £70000
+ Risk Analytics
PermanentCity of London, London
To Apply for this Job Click Here
Senior Credit Portfolio Analyst
Up to £70,000
London
Hybrid
The Company
An excellent opportunity a reputable challenger bank who are focused on delivering both savings, mortgages, business banking, and motor finance to their customers. This role will be sitting in the 2nd line delivering portfolio insights, developing scorecard models, overseeing model implementation, and developing lending strategies.
The Role
As a Senior Credit Portfolio Analyst, you will be:
- Developing and implementing credit risk strategies across different portfolios with the focus on mortgages.
- Developing scorecards for originations/acquisitions
- Implementation of scorecard models for the business
- Overseeing the model development and implementation across the banks portfolios
- Analysis of portfolio trends for actional insights for senior stakeholders
- Using SAS and Python daily in this role.
Your skills and experience
For you to be successful as a Senior Credit Portfolio Analyst, you will need:
- Strong experience working as a credit risk analyst for another bank/fintech
- Experience developing credit risk strategies for lending products.
- Experience using SAS and ideally python
- Experience developing or working on scorecard models
- Strong communication and teamwork skills.
- Mathematical degree
Benefits
Up to £70,000 + competitive benefits package
To Apply for this Job Click Here
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GET IN TOUCH
today
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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 – 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
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
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
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 – 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
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.
