SENIOR CREDIT RISK ANALYST

SALARY BETWEEN £60,000-£80,000

HYBRID WORKING (3 DAYS PER WEEK IN-OFFICE)

LONDON

Harnham are working with a fast-growing FinTech business that provides funding solutions to small and medium-sized enterprises through embedded finance partnerships. This is an excellent opportunity for a Credit Risk professional to join a high-performing analytics function and play a key role in shaping lending decisions and portfolio performance.

THE COMPANY

Harnham are working with a FinTech business operating within the embedded finance and SME lending space, helping businesses access funding through digital platforms and technology-led lending solutions. With a strong focus on data-driven decisioning, automated underwriting and analytics, the company has established itself as an innovative player in the market and continues to invest heavily in its risk, data and technology functions as it expands across international markets.

THE ROLE

This role sits within the Credit Risk team and will focus on developing and optimising credit strategies across acquisition and underwriting activities. You will work closely with data, product and commercial teams to drive risk-adjusted growth and improve lending performance.

Specifically, you can expect to be involved in:

• Developing and enhancing credit acquisition and underwriting strategies.
• Monitoring portfolio performance and identifying opportunities for optimisation.
• Supporting credit decisioning, approval processes and risk policy development.
• Using data analysis to drive lending performance and enhance customer outcomes.
• Collaborating with stakeholders across risk, analytics and product functions.

SKILLS AND EXPERIENCE

The successful Senior Credit Risk Analyst must have the following skills and experience:

• Experience within Credit Risk, ideally covering acquisition, underwriting, credit strategy, limits management or pricing.
• Strong analytical and problem-solving skills within a lending environment.
• Advanced SQL skills for data extraction and analysis.
• Exposure to SME lending or consumer lending products.
• Experience with Python and data visualisation tools such as Tableau would be advantageous.

BENEFITS

The successful Senior Credit Risk Analyst will receive a salary up to £80,000.