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- Tasks: Lead credit strategy for business lending and optimize performance daily.
- Company: Join a leading UK banking fin-tech with exciting growth and new product launches.
- Benefits: Enjoy a salary up to £85,000, stock options, flexible hours, and a £1,000 learning budget.
- Why this job: Be part of a dynamic team driving innovation in lending and enhancing customer experiences.
- Qualifications: Experience in business lending and strong analytical skills, especially in SQL; Python/Looker is a plus.
- Other info: This role is fully remote, allowing you to work from anywhere in the UK.
The predicted salary is between 51000 - 85000 £ per year.
LEAD CREDIT RISK ANALYST (SME LENDING) UP TO £85,000 FULLY REMOTE This is an exciting opportunity to join this companies growing business lending team. You will be responsible for the credit strategy across all business lending products. THE COMPANY This company is a leading UK banking fin-tech offering an array of lending products, and financial education. This is an exciting time to join the business as they have constant growth projections and are looking to launch new products. THE ROLE You will be doing the following daily: Leading the development and implementation of credit and pricing strategies for business lending products. Continuously monitoring and optimising the performance of current strategies. Supporting the design, launch, and enhancement of new products and customer experiences. Driving initiatives to improve credit underwriting, accelerate growth, and manage portfolio risk. Collaborating with teams across engineering, marketing, product, risk, and control to design and deliver strategic initiatives. Developing and overseeing credit models to project cash flows and evaluate the net present value of new lending cohorts. Assisting in the creation and deployment of new lending strategies by analysing data patterns and translating them into actionable insights. Building, maintaining, and managing database tables and dashboards to provide insights and enable rapid, data-driven decision-making. Evaluating the performance of lending portfolios for specific products over time. YOUR SKILLS AND EXPERIENCE Previous experience working in business lending. Strong understand of credit risk from acquisitions to collections. Experience developing and deploying strategies and credit risk models. Excellent analytical capabilities: SQL is essential, and Python/Looker are desirable. Excellent written and verbal communication skills. Strong understanding of UK lending regulations. THE BENEFITS Up to £85,000 salary. Stock options and benefits. Flexible working hours. Learning budget of £1,000. Pension scheme. Fully remote work from anywhere in the UK. HOW TO APPLY Please register your interest by sending your CV to Gaby Adamis via the Apply link on this page.
Lead Credit Risk Analyst employer: Harnham
Contact Detail:
Harnham Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Lead Credit Risk Analyst
✨Tip Number 1
Make sure to showcase your previous experience in business lending during the interview. Highlight specific projects or strategies you've developed that align with the company's focus on credit strategy.
✨Tip Number 2
Familiarize yourself with the latest trends in credit risk management and UK lending regulations. Being able to discuss current industry challenges and solutions will demonstrate your expertise and commitment to the role.
✨Tip Number 3
Prepare to discuss your analytical skills, especially your experience with SQL and any other relevant tools like Python or Looker. Be ready to provide examples of how you've used data to drive decision-making in past roles.
✨Tip Number 4
Emphasize your collaborative skills, as the role involves working with various teams. Share examples of successful cross-functional projects you've led or contributed to, showcasing your ability to drive initiatives forward.
We think you need these skills to ace Lead Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in business lending and credit risk. Emphasize your analytical skills, particularly with SQL and any experience with Python or Looker.
Craft a Compelling Cover Letter: Write a cover letter that showcases your understanding of credit strategies and your previous successes in developing and implementing them. Mention how your skills align with the company's goals and growth projections.
Highlight Regulatory Knowledge: Demonstrate your strong understanding of UK lending regulations in your application. This is crucial for the role and will show that you are well-prepared to navigate the regulatory landscape.
Showcase Collaboration Skills: In your application, provide examples of how you've successfully collaborated with cross-functional teams. This will illustrate your ability to work effectively with engineering, marketing, and product teams.
How to prepare for a job interview at Harnham
✨Showcase Your Analytical Skills
As a Lead Credit Risk Analyst, strong analytical capabilities are crucial. Be prepared to discuss specific examples of how you've used SQL and any experience with Python or Looker to analyze data patterns and make data-driven decisions.
✨Demonstrate Your Understanding of Credit Risk
Make sure to highlight your previous experience in business lending and your understanding of credit risk from acquisitions to collections. Discuss how you've developed and deployed credit risk strategies in past roles.
✨Prepare for Collaboration Questions
This role requires collaboration across various teams. Think of examples where you've successfully worked with engineering, marketing, or product teams to drive strategic initiatives and improve customer experiences.
✨Know the UK Lending Regulations
Familiarize yourself with the current UK lending regulations as they are essential for this position. Be ready to discuss how these regulations impact credit strategy and risk management in your previous roles.
