SENIOR CREDIT RISK ANALYST
LONDON | UP TO £75,000 + 10% BONUS + 7% MATCHED PENSION
This is an exciting opportunity to join a growing consumer lender that combines the pace and innovation of a fintech with an established lending business. Having recently strengthened their analytics leadership team, they are investing heavily in their credit capability and expanding their lending operation.
THE COMPANY
They are a consumer lending business with a strong focus on using technology and data to improve customer outcomes. Following a period of significant growth, they continue to invest across their products and analytics functions. They are also embracing AI across the organisation, encouraging analysts to leverage emerging tools to enhance insight generation, improve efficiency, and support smarter business decisions.
THE ROLE
Support the development and optimisation of lending strategies across the loans portfolio, with some exposure to cards
Own affordability analysis and contribute to income verification and customer assessment strategies
Recommend changes to credit policies, cut-offs, and decisioning strategies
Monitor portfolio performance and identify opportunities to improve risk and commercial outcomes
Use data and AI-driven tools to generate insights and support decision-making
YOUR SKILLS & EXPERIENCE
Strong experience within consumer lending credit risk, ideally across personal loans, credit cards, or other retail lending products
Experience developing and implementing credit strategies across acquisitions, customer management, or underwriting
Strong understanding of affordability assessments, income verification, and lending decisioning processes
Strong SQL or comparable coding skills, with the ability to extract and analyse large datasets
Interest in applying AI tools to analytical workflows
Degree in a numerate discipline is advantageous
WHAT THEY OFFER
Salary up to £75,000
Annual bonus averaging 10%
7% matched pension contribution
Hybrid working with three days per week in the London office
Exposure to a growing and evolving lending business
Strong learning and development opportunities within an expanding analytics team
...
Senior Credit Risk Analyst employer: Harnham - Data & Analytics Recruitment Careers
As a leading consumer retail organisation based in London, we pride ourselves on fostering a dynamic and inclusive work culture that champions innovation and collaboration. Our commitment to employee growth is evident through tailored development programmes and the opportunity to lead transformative digital initiatives, all while enjoying a competitive salary and bonus structure. Join us to be part of a forward-thinking team that values your contributions and empowers you to drive meaningful change in a rapidly evolving market.
Contact Details:
Harnham - Data & Analytics Recruitment Careers Recruitment Team
