At a Glance
- Tasks: Shape data-driven credit risk strategies and deliver insights for responsible lending.
- Company: Dynamic fintech company based in Dalston with flexible work options.
- Benefits: Birthday off, WFH allowance, private health insurance, and pension contributions.
- Other info: Collaborative environment with opportunities for professional growth and development.
- Why this job: Make a real impact on credit risk decisions using advanced analytics.
- Qualifications: Experience in consumer lending, strong analytical skills, and Power BI proficiency.
The predicted salary is between 55000 - 65000 £ per year.
Location: Based in our Dalston office with flexibility to WFH.
Contract: Permanent, full time (37.5hrs per week).
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
Fair Finance is an exceptional employer that champions a supportive and inclusive work culture, offering hybrid working arrangements that promote work-life balance. Employees benefit from continuous learning opportunities within a skilled underwriting team, fostering professional growth while making a meaningful impact in the community through responsible lending practices.
