HYBRID (1 DAYS PER WEEK IN-OFFICE)
CARDIFF
Harnham are working with a growing UK financial services business to recruit a Lead Credit Risk Analyst into their expanding credit strategy team. This is an excellent opportunity to play a key role in shaping the future of a developing lending product, with significant exposure to strategic decision-making and senior stakeholders.
THE COMPANY
Harnham are working with a well-established UK lender that combines data, analytics, and technology to deliver consumer finance products. As part of a wider financial services group, the business offers the stability of an established brand alongside the opportunity to influence a growing lending portfolio. With continued investment in its credit capabilities, the company is focused on improving customer outcomes, operational efficiency, and risk management through data-driven decision making.
THE ROLE
This role sits within the Credit Strategy function and offers the chance to influence lending decisions, optimise credit performance, and support the ongoing development of a growing loan portfolio. You'll work closely with a range of stakeholders to develop strategies that balance growth, customer outcomes, and risk.
Specifically, you can expect to be involved in:
- Analysing portfolio performance, including approvals, referrals, arrears, and defaults.
- Identifying opportunities to improve automation across the credit decisioning process.
- Producing insight-led recommendations to enhance credit strategy and policy.
- Collaborating with Product, Underwriting, and Commercial teams on strategic initiatives.
- Monitoring and evaluating the impact of credit strategy changes.
SKILLS AND EXPERIENCE
The successful Lead Credit Risk Analyst must have the following skills and experience:
- Experience within Credit Risk Strategy in a consumer lending environment.
- Strong analytical skills with the ability to translate data into actionable recommendations.
- Experience working with lending policies, scorecards, decisioning rules, and underwriting strategies.
- Advanced SQL skills, with Python considered advantageous.
- Ability to communicate complex analytical findings to both technical and non-technical stakeholders.
BENEFITS
The successful Lead Credit Risk Analyst will receive a salary up to £70,000 and an annual bonus.
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Lead Credit Risk Analyst in Cardiff employer: Harnham
As a leading specialist data consultancy, we pride ourselves on fostering a collaborative and innovative work culture that empowers our Analytics Engineering Consultants to thrive. With a focus on professional development, we offer extensive growth opportunities and the chance to work on high-impact projects across diverse industries, all while enjoying the flexibility of remote work in the UK. Join us to be part of a team that values your expertise and encourages you to influence strategy and drive meaningful change for our clients.
