SENIOR CREDIT RISK ANALYST

LONDON | £55,000 - £70,000

This is an exciting opportunity to join a high-growth fintech that is transforming consumer lending through data, technology, and innovative credit decisioning. You'll play a key role in shaping credit card strategy, using advanced analytics to influence lending decisions and drive the performance of a rapidly expanding portfolio.

THE COMPANY

They are a leading fintech business that has built a reputation for challenging traditional lenders through technology and data-driven decision making. With continued investment in analytics, machine learning, and innovative data sources, they have created a fast-paced environment where ideas are implemented quickly and individual contributions have a visible impact. Their collaborative culture gives analysts significant ownership and exposure to key commercial decisions.

THE ROLE

• Develop and optimise credit strategies across a growing lending portfolio
• Analyse customer and portfolio performance data to identify opportunities for growth and improved risk outcomes
• Build and monitor forecasting models to assess portfolio performance and profitability
• Drive strategy across areas such as underwriting, credit limits, pricing, and portfolio management
• Generate insights from large datasets and translate findings into actionable recommendations
• Work closely with product, engineering, and analytics teams to implement new strategies
• Monitor the performance of live strategies and recommend enhancements based on results
• Take ownership of analytical projects that directly influence business performance

YOUR SKILLS & EXPERIENCE

• Strong commercial experience within Credit Risk Analytics in consumer lending
• Experience developing or managing credit strategies, including areas such as acquisitions, underwriting, credit limits, pricing, or portfolio management
• Strong hands-on coding experience using Python and SQL on a regular basis
• Experience using data to solve business problems and influence commercial decisions
• Strong understanding of credit risk strategy and portfolio performance within unsecured lending
• Ability to independently identify opportunities, challenge assumptions, and drive improvements
• Experience working cross-functionally to deliver analytical solutions into production
• Strong communication skills with the ability to present insights and recommendations to a range of stakeholders

WHAT THEY OFFER

• £55,000 - £70,000 base salary depending on experience
• Hybrid working model
• Opportunity to work within a market-leading fintech
• Exposure to advanced analytics, machine learning, and alternative data sources
• Significant ownership and autonomy from day one
• Clear progression opportunities within a growing Credit Risk function
• Collaborative and intellectually stimulating environment focused on innovation and impact

HOW TO APPLY

Please register your interest by sending your CV through the Apply link.