At a Glance
- Tasks: Shape data-driven credit risk strategies and deliver insights for responsible lending.
- Company: Fair Finance, a social business revolutionising financial services for everyone.
- Benefits: Birthday off, WFH allowance, private health insurance, and discounts via Perkbox.
- Other info: Join a dynamic team with a mission to change the financial system for the better.
- Why this job: Make a real impact on financial inclusion while developing your analytical skills.
- Qualifications: Experience in consumer lending, strong credit risk knowledge, and Power BI proficiency.
The predicted salary is between 50000 - 60000 £ per year.
Location: Based in our Dalston office with flexibility to WFH
Contract: Permanent, full time (37.5hrs per week)
About us
Fair Finance is a social business with ambitious plans to revolutionise financial services to give everyone a fair chance. Our vision is to scale our alternative to the high-cost lending market and help reduce financial exclusion across the UK. Over the last twenty years Fair Finance has helped over a hundred thousand people escape the clutches of high-cost money lenders, start businesses or avoid eviction. Our work has helped influence Government policy and legislation, as well as demonstrate how purpose and profit can work together to change the financial system for the better.
About the role
The Senior Business Analyst will play a pivotal role in shaping data-driven credit risk strategies and delivering insights that inform responsible lending decisions. You will leverage your analytical expertise, credit risk knowledge, and Power BI proficiency to enhance our portfolio performance, credit models, and operational effectiveness.
Key Responsibilities
- Analyse credit risk performance across the enterprise’s personal loan portfolio using advanced data analytics tools and techniques.
- Develop, maintain, and automate Power BI dashboards and reports to monitor credit trends, default patterns, and risk exposure.
- Collaborate with credit policy, underwriting and marketing teams to refine scorecards, segmentation strategies, and affordability assessments.
- Translate business requirements into analytical solutions that support strategic objectives and regulatory compliance.
- Identify early warning indicators and recommend data-driven actions to mitigate emerging credit risks.
- Contribute to the development of credit risk models, stress testing, and scenario analyses to improve decision-making.
- Prepare and deliver clear presentations of insights to senior executives, board members, and external stakeholders.
- Support continuous improvement of data quality, governance, and analytical processes across the risk function.
Skills and Experience
Essential
- Proven experience as a Business Analyst or Data Analyst within consumer lending, retail banking, or fintech sectors.
- Strong understanding of credit risk principles, credit lifecycle management, and regulatory frameworks.
- Advanced proficiency in Power BI, SQL, and Excel for data analysis and visualisation.
- Experience with predictive modelling using statistical techniques.
- Exceptional problem-solving and critical-thinking skills, with the ability to translate complex data into actionable insights.
- Excellent communication and stakeholder management skills.
Desirable
- Exposure to social impact or financial inclusion initiatives.
- Familiarity with Python, R, or other analytics tools.
- Experience with stress testing and machine learning models.
Employee Benefits
- An additional paid day off for your birthday.
- Staff receive an additional 'WFH allowance' to allow even greater location flexibility.
- Private Health Insurance.
- Perkbox access for a wide range of discounts.
- Employee Assistance Programme (EAP).
- 3% matching contribution towards a stakeholder pension.
Senior Business Analyst - Credit Risk in London employer: Fair Finance Group
Fair Finance is an exceptional employer that champions social impact and financial inclusion, offering a dynamic work culture in our Dalston office with the flexibility to work from home. Employees benefit from a supportive environment that prioritises personal growth, with opportunities to influence meaningful change in the financial sector, alongside perks like additional paid leave for birthdays, private health insurance, and a comprehensive employee assistance programme.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Business Analyst - Credit Risk in London
✨Network Like a Pro
Get out there and connect with people in the industry! Attend events, join online forums, and don’t be shy about reaching out on LinkedIn. We all know that sometimes it’s not just what you know, but who you know that can help you land that dream job.
✨Show Off Your Skills
When you get the chance to chat with potential employers, make sure to highlight your analytical skills and experience with tools like Power BI. We want to see how you can bring value to the team, so share specific examples of how you've tackled credit risk challenges in the past.
✨Prepare for the Interview
Do your homework before the interview! Understand Fair Finance’s mission and how your role as a Senior Business Analyst fits into their vision. We love candidates who are genuinely interested in our work and can articulate how they can contribute to reducing financial exclusion.
✨Apply Through Our Website
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we’re always looking for passionate individuals who align with our values, so make sure to showcase your enthusiasm for making a difference in the financial sector.
We think you need these skills to ace Senior Business Analyst - Credit Risk in London
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Senior Business Analyst role. Highlight your experience in credit risk and data analysis, and don’t forget to showcase your Power BI skills. We want to see how you can bring value to our mission!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about financial inclusion and how your background aligns with our goals at Fair Finance. Keep it engaging and personal – we love a good story!
Showcase Your Analytical Skills:In your application, be sure to highlight specific examples of how you've used data analytics to drive decisions in previous roles. We’re looking for those standout moments where your insights made a real impact!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team at Fair Finance!
How to prepare for a job interview at Fair Finance Group
✨Know Your Numbers
As a Senior Business Analyst, you'll need to demonstrate your analytical prowess. Brush up on key metrics related to credit risk and be ready to discuss how you've used data to drive decisions in past roles. This shows you understand the importance of data-driven insights.
✨Master Power BI
Since Power BI is crucial for this role, make sure you can talk about your experience with it confidently. Prepare examples of dashboards you've created or reports you've automated. If possible, bring a portfolio of your work to showcase your skills.
✨Understand Fair Finance's Mission
Familiarise yourself with Fair Finance's vision and values. Be prepared to discuss how your background aligns with their mission to reduce financial exclusion. Showing genuine interest in their social impact will set you apart from other candidates.
✨Prepare for Scenario Questions
Expect to face scenario-based questions that assess your problem-solving abilities. Think of examples where you've identified risks or improved processes in previous roles. Use the STAR method (Situation, Task, Action, Result) to structure your answers clearly.
