Credit Risk Analyst in City of Westminster

Credit Risk Modelling Analyst

London Office- Hybrid working

The Role

We\’re looking for a Credit Risk Analyst to take ownership of how we understand, measure, and forecast customer defaults across our lending portfolio.

Key Accountabilities

• Maintain and enhance the firm\’s default and delinquency monitoring
• Analyse how customers transition through risk states, identifying trends and drivers of early-stage arrears and defaults
• Develop, maintain, and interpret performance curves (e.g. vintages, cohort analyses, Month on Book curves) to understand changes in credit quality
• Produce clear, concise insight for senior stakeholders, turning complex analysis into actionable recommendations
• Support the development and refinement of credit strategies, including acquisition policy changes and behavioural risk management
• Work closely with data, product, and risk teams to shape how the business measures performance and exposure
• Assist in the design of portfolio health dashboards and risk MI, ensuring reliable and timely reporting
• Drive improvements in data quality, reporting consistency, and how the business records and interprets customer lifecycle events

Skills & Experience

• Proven experience in a credit, portfolio, or risk analytics role
• Strong understanding of consumer or commercial credit lifecycle, including arrears, roll rates, charge‑off processes, and recoveries
• Hands‑on analytical skills with the ability to work confidently with large datasets
• Proficiency in SQL for deep‑dive investigations and building repeatable analysis
• Confidence with visualisation tools (e.g. Power BI / Tableau)
• Comfortable working with performance curves and diagnosing shifts in default behaviour
• Skilled in presenting complex findings to stakeholders, including non‑technical audiences
• Strong commercial awareness – understanding how default timing affects profitability, exposure, and model outcomes
• Experience with statistical modelling is beneficial but not essential