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Credit Risk Manager

£74,000-£100,000

London, hybrid (3 days per week in office)

Harnham are working with a fast‑growing consumer finance business to hire a Credit Risk Manager within their UK team. This is an opportunity to join a high performing organisation known for its data driven approach and rapid product innovation.

THE COMPANY

• A leading FinTech scale‑up operating across consumer lending products, known for its busy culture and strong market reputation.
• The business has experienced sustained growth across multiple product lines and continues to expand in both the UK and international markets.
• Highly data led environment with a strong focus on building efficient, customer centric lending solutions.

THE ROLE

You’ll play a key role in developing and optimising lending and credit strategies across core UK products, with a likely initial focus on the organisation’s newest product area. This position offers broad exposure to commercial, analytical and strategic work across the full credit lifecycle.
Specifically, you can expect to be involved in:

• Developing and implementing acquisition and customer management strategies.
• Creating pricing, NPV and profitability models to support product growth.
• Embedding analytical insights into credit decision making and wider business strategy.
• Conducting analysis on customer trends, performance and portfolio dynamics.
• Collaborating with stakeholders across product, analytics and finance.

YOUR SKILLS AND EXPERIENCE

• Strong academic background in a quantitative or analytical field.
• Experience developing lending strategies or driving commercial insight within consumer finance, FinTech or related analytical industries.
• Ability to interpret data to inform risk, pricing or customer strategy decisions.
• Proficiency in SQL; Python experience is beneficial.
• Experience in a busy environment with the ability to manage varied analytical projects.

THE BENEFITS

• Broad exposure to multiple consumer lending products.
• Collaborative, high growth environment with opportunities for rapid development.
• Strong long term incentives through company share schemes.
• Opportunity to influence strategy in a highly data driven organisation.

THE PROCESS

• Online case study assessment.
• In person interview covering a business case, technical questions and competency discussion.
• Final stage office visit with team interaction.

HOW TO APPLY

Please register your interest via the apply link on this page.

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Senior Impairment Analyst

£60,000-£85,000

London + hybrid working (2-3 days per week in office)

Harnham are working with a UK consumer finance provider to hire a Senior Impairment Analyst within their growing portfolio analytics team. This is a strategic, high impact role supporting the performance, forecasting and optimisation of key lending products.

THE COMPANY

• A well established digital lender offering innovative consumer finance products across the UK.
• Known for its data driven culture, strong market reputation and continuous product expansion.
• Recently invested in new technology and analytics capabilities, with a modern office environment and cooperative teams.

THE ROLE

This is a broad impairment analytics role focused on understanding portfolio performance, enhancing forecasting frameworks and supporting end‑to‑end strategic decision making. You’ll work cross functionally with product, risk and data teams to deliver high quality insights and improvements.
Specifically, you can expect to be involved in:

• Analysing portfolio performance to identify trends, risks and improvement opportunities.
• Recommending and implementing enhancements to impairment methodologies and frameworks.
• Using statistical and analytical techniques to forecast losses and understand customer behaviour.
• Driving optimisation initiatives across processes, tooling and analytical workflows.
• Supporting and mentoring junior analysts as part of a cooperative team.

YOUR SKILLS AND EXPERIENCE

• Strong experience in impairment analytics or portfolio performance analysis.
• Ability to apply analytical methods to forecasting, customer behaviour or loss modelling.
• Proficiency in SQL for data extraction and analysis; Python is advantageous.
• STEM degree from a Russel group university
• Strong communication skills with the ability to convey insights clearly to stakeholders.

THE BENEFITS

• High visibility across multiple product teams.
• Opportunity to shape impairment strategy within a growing analytics function.
• Modern office environment and collaborative culture.
• Strong long‑term development opportunities.

THE PROCESS

• Online analytical case study assessment.
• In person interview including business case, technical discussion and competency questions.
• Final office visit to meet the wider team.

HOW TO APPLY

Please register your interest via the apply link on this page.

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Senior Business Risk Analyst

Phoenix, AZ Onsite / Hybrid

$90,000 – $120,000 Salary

Overview

We’re partnering with a growing, data-driven organization to hire a Senior Business Risk Analyst who will play a key role in supporting risk-focused analytics and broader business initiatives. This role will initially focus on risk and performance analysis, then expand to support operational and revenue-related projects across the business.

You’ll work closely with cross-functional stakeholders and leadership, using data to influence strategy, optimize outcomes, and improve decision-making.

Key Responsibilities

• Support risk-related analytics, including performance evaluation and policy effectiveness

• Use SQL to extract and analyze data from data warehouses and BI tools

• Perform ad-hoc and deep-dive analyses to identify trends, tradeoffs, and optimization opportunities

• Conduct root cause analysis tied to key performance metrics

• Develop executive-level presentations that clearly communicate insights and recommendations

• Partner with data quality and operations teams to improve data integrity and processes

• Contribute to analytics initiatives across multiple business functions as needed

Required Qualifications

• Bachelor’s degree in a quantitative field (e.g., Economics, Statistics, Engineering, Computer Science) Required

• 5+ years of experience in an analytics or business analysis role

• Strong SQL skills (complex querying required)

• Advanced Excel skills (pivot tables, lookups)

• Python experience for data manipulation and analysis

• Experience translating data insights into business recommendations

• Strong communication skills with experience presenting to senior or executive audiences

• Ability to manage multiple priorities in a fast-paced environment

• Experience with risk, credit, pricing, or policy analysis

• Experience with statistical modeling, regression, or model monitoring

• Exposure to machine learning or hypothesis testing

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RISK STRATEGY ANALYST

£50,000

SOUTHAMPTON

THE COMPANY

This company is a growing FinTech that have been growing steadily over the past few years. They have multiple offerings and a close-knit team that really value progression and development.

THE ROLE

This role is very varied and will include work with a number of teams:

• Analysing customer and trend data, including work on root cause analysis and customer segmentation, to drive insight into lending performance and identify opportunities for improvement
• Work with the collections team to build forecasting models and conduct wider portfolio analysis
• Work closely with compliance and risk to ensure adherence to policies and note abnormalities
• Present and report to senior stakeholders, producing reports and dashboards to monitor business performance

YOUR SKILLS AND EXPERIENCE

• Essential to have knowledge of SQL and prior experience using this
• Essential to have worked with large data sets and driven insight into this, ideally within financial services
• Strong communication skills and prior experience in communicating complex data

SALARY AND BENEFITS

• Base salary of up to £50,000
• Company bonus scheme
• Pension contribution scheme
• Private Medical Cover

HOW TO APPLY

Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

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SENIOR MANAGER- CREDIT RISK ANALYTICS

UP TO £140,000

LONDON- 3 DAYS A WEEK

A leading fintech lender, looking for a Senior Credit Risk Strategy Manager to lead collections analytics and shape risk strategy across the business

THE ROLE

• Designing and optimising collections strategies across the lifecycle (early arrears through to recoveries)
• Using data properly, segmentation, treatments, contact strategy, affordability, forbearance, write-off logic
• Building the MI and insight that tells us what’s working, what isn’t, and why
• Working closely with operations to make sure strategy isn’t just clever on paper but works in the real world
• Making sure we treat customers in financial difficulty fairly, sensibly, and in line with regulation

REQUIREMENTS

• Arrears and collections strategy design
• Analytics experience (SQL / Python )

HOW TO APPLY

Please send CV below

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STRATEGY ANALYST

HAMPSHIRE

UP TO £50,000

Looking for an Operations Analytics Analyst to join a small, growing analytics team within a UK FinTech lender. This role focused on turning data into actionable insights across the entire customer lifecycle.

THE ROLE

You’ll sit in the Operations Analytics team, working closely with credit, underwriting, collections, fraud and marketing. The team’s aim is simple: use data to understand processes, improve decision-making, and generate insights that drive real business outcomes.

• Analyse customer behaviour from origination to repayment, identifying trends and patterns across the lifecycle.
• Optimise collections strategies to improve efficiency and customer outcomes.
• Extract, manipulate, and visualise data to create reports and dashboards for operational teams.
• Provide insights on marketing and acquisition performance to support business growth.
• Collaborate with credit, risk, fraud, and operational teams on cross-functional projects.
• Translate complex data into actionable recommendations for stakeholders and business decisions.

REQUIREMENTS

• 2+ years in credit, lending or operational analytics
• Strong SQL skills and experience with a visualisation tool
• Clear examples of end-to-end analytical work: pulling data, analysing, translating into action, reporting to stakeholders

HOW TO APPLY

Please apply below or send CV

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SENIOR COLLECTIONS STRATEGY MANAGER

£110-135,000

LONDON

THE COMPANY

This role is with a leading FinTech brand in the UK. This role offers the unique opportunity to take an individual contributor role at a senior level in the business, driving collections strategies and recoveries processes whilst working with junior analysts when required. This is an excellent opportunity for someone looking to take a step-up in a fast-paced, successful business.

THE ROLE

• Ownership of the entire collections and recoveries part of the business
• Developing collections strategies to enhance business performance and improve customer outcomes
• Leading policies for affordability, arrears management and wider debt provisioning
• Leading debt sale processes and working closely with stakeholders and senior members of the business
• Wider ad hoc project work as required

YOUR SKILLS AND EXPERIENCE

• Essential to have had experience in the collections space within consumer lending
• Essential to have experience developing collection strategies
• Essential to have had prior experience in debt sale processes and wider debt provisioning
• A background in SQL/SAS/Python coding – not essential to currently use these
• Strong communication skills

SALARY AND BENEFITS

• Up to £135,000 base salary
• Competitive bonus scheme
• Contributory pension scheme
• Flexible holiday scheme
• Hybrid work model

HOW TO APPLY

Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

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SENIOR MANAGER- COLLECTIONS AND RECOVERIES

LONDON- HYBRID

UP TO £135,000

This is a senior role with significant strategic and regulatory exposure, focused on building and evolving collections and recoveries frameworks for a regulated UK financial services business.

THE ROLE

• Developing and owning collections and recoveries strategies, including policy implementation and controls
• Managing relationships with debt collection agencies, including debt sale strategy, pricing, and contractual changes
• Leading on customer forbearance approaches and monitoring default trends
• Ensuring fair customer treatment in line with FCA expectations and UK regulations
• Acting as a key contact for regulatory communication, including engagement with the FCA
• Supporting the business’s transition from BNPL into broader cash management product
• This is a Certified role, requiring confidence operating in a regulated environment.

REQUIREMENTS

• Extensvie experience in collections and recoveries strategy
• Strong experience working with debt collection agencies and debt sale processes
• Backgorund in SQL
• In-depth knowledge of UK regulations, including experience engaging with the FCA
• Excellent communication skills and stakeholder management capability

HOW TO APPLY

Please apply below or email

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SENIOR DATA SCIENTIST

LONDON- HYBRID

UP TO £85,000

Join a top lending fitnech where you’ll sit within the Data Science function, but specifically focuses on the US lending portfolio, working with a high-impact team with plenty of ownership and autonomy!

THE ROLE

• Developing credit risk predictive ML models for US lending portfolios, primarily scorecard-based models
• Building and enhancing income models, early repayment models, and forecasting models
• Driving automation of lending decisions across the Loans portfolio
• Supporting Credit Card growth, including new acquisition scorecards as volume increases through upcoming Experian integration
• Owning the entire modelling process – from data extraction and feature engineering through to deployment (no separate engineering hand-off)

REQUIREMENTS

• Strong data science/ modelling experience using ML techniques
• Background in Financial services, Banking, Insurance or Gambling
• Strong Python

HOW TO APPLY

Please apply below or send CV

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