At a Glance
- Tasks: Shape credit strategy and optimise risk policies in a fast-paced fintech environment.
- Company: Dynamic fintech company focused on accessible financial solutions.
- Benefits: Competitive salary, equity package, hybrid working, and comprehensive healthcare.
- Other info: Exciting growth opportunities in a collaborative and data-driven culture.
- Why this job: Make a real impact on lending decisions and drive innovation in finance.
- Qualifications: Experience in credit risk analytics and strong SQL skills required.
The predicted salary is between 90000 - 100000 £ per year.
This is a high impact opportunity to shape credit strategy within a fast growing fintech environment. You will work with complex, real world datasets and have genuine ownership over lending decisions, contributing directly to the growth and evolution of a modern financial platform.
They are a scaling, venture backed fintech operating at the intersection of financial services and technology. The business partners with large organisations to deliver digital financial solutions to a broad user base, with a strong emphasis on accessibility and responsible lending. With continued investment and international expansion underway, they are building out their data and analytics capabilities to support growth. The environment is collaborative, fast paced, and focused on using data to drive better outcomes.
- Defining and optimising credit risk strategies across evolving lending products
- Using SQL driven analysis to extract insights from complex behavioural datasets
- Developing and refining affordability and risk policies
- Monitoring performance and driving continuous improvement across the lending portfolio
- Contributing to the development of new products and credit capabilities
Strong commercial experience in credit risk analytics or strategy within consumer lending. Proven ability to translate data into actionable insights and strategy. Advanced SQL skills, with Python as a desirable addition. Experience within unsecured lending products such as personal loans or credit cards. FinTech experience is a plus.
Base salary up to £100,000, depending on experience. Equity package with long term growth potential. Hybrid working model with three days per week in the London office. Comprehensive benefits including private healthcare and flexible benefits schemes. Clear progression opportunities within a scaling data and risk function.
Credit Risk Analyst - Mortgages in City of London employer: Harnham
Join a dynamic fintech company in London where you will have the opportunity to shape credit strategy and make impactful lending decisions. With a collaborative work culture, comprehensive benefits including private healthcare, and clear progression opportunities, this role offers a unique chance to grow within a fast-paced environment that values data-driven insights and responsible lending.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Analyst - Mortgages in City of London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Harnham. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Risk Analyst - Mortgages in City of London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Harnham.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Harnham's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Harnham
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Harnham.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Harnham will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Harnham employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
