Credit Risk Analyst

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